Pittsburgh, PA · Charter 13353
Q2 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.07% | -1.08% | -1.00% | -4.43% | -4.48% | -341 bps | |
| Return on Equity | -9.40% | -8.86% | -8.55% | -35.71% | -35.57% | -2,617 bps | |
| Net Interest Margin | 3.20% | 3.30% | 3.09% | -1.74% | 0.81% | -239 bps | |
| Efficiency Ratio | 101.71% | 104.51% | 110.28% | n/a | 353% | +25,158 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.04% | -13.18% | -5.75% | -16.94% | -23.90% | -1,387 bps | |
| Loan Growth (YoY) | -7.81% | -14.07% | -12.32% | -16.58% | -22.16% | -1,435 bps | |
| Share Growth (YoY) | -11.54% | -14.27% | -12.92% | -25.69% | -24.55% | -1,301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 1.82% | 4.05% | 15.94% | 19.93% | +1,775 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 0.66% | 0.69% | 0.76% | 0.88% | -53 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.40% | 12.20% | 11.74% | 12.40% | 12.59% | +119 bps | |
| Net Worth / Assets | 11.40% | 12.20% | 11.74% | 12.40% | 12.59% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.78% | 77.22% | 77.45% | 84.99% | 77.15% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |