PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lycl Postal and Federal Employees

Williamsport, PA · Charter 12803

Q2 2000

$6.1MAssets
$4.7MLoans
$5.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.25%, down 257 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 1.00% of loans (+33 bps YoY).
  • Funding: loans stand at 91.27% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

1.25%-257 bps YoY

Net Interest Margin (YTD, annualized)

4.89%

Efficiency Ratio (YTD, annualized)

72.19%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.82%3.89%3.92%1.29%1.25%-257 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.78%4.89%n/a
Efficiency Ration/an/an/a72.13%72.19%n/a
Growth
Asset Growth (YoY)-0.01%3.50%6.30%7.27%7.47%+748 bps
Loan Growth (YoY)10.65%14.37%14.99%13.49%9.20%-145 bps
Share Growth (YoY)-3.31%0.42%4.10%5.14%5.42%+873 bps
Asset Quality
Delinquent Loans / Loans0.67%1.89%0.57%1.64%1.00%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%1.04%0.91%0.87%0.79%-22 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares88.11%91.88%87.09%89.93%91.27%+316 bps
Liquid Assets / Assets16.27%13.99%16.76%7.11%5.27%-1,100 bps