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Quaker Oats Shiremanstown

Shirmanstown, PA · Charter 13575

Q2 2000

$2.8MAssets
$1.2MLoans
$2.3MShares
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 2.53%, down 348 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 3.68% of loans (+320 bps YoY).
  • Funding: loans stand at 52.50% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

2.53%-348 bps YoY

Net Interest Margin (quarter, annualized)

3.81%

Efficiency Ratio (quarter, annualized)

34.39%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets6.02%5.47%4.88%1.00%2.53%-348 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.76%3.81%n/a
Efficiency Ration/an/an/a61.90%34.39%n/a
Growth
Asset Growth (YoY)15.88%20.28%20.68%13.56%6.67%-921 bps
Loan Growth (YoY)23.63%5.84%0.42%-12.36%-29.54%-5,317 bps
Share Growth (YoY)14.06%19.72%20.93%12.59%7.35%-671 bps
Asset Quality
Delinquent Loans / Loans0.48%1.10%2.01%1.86%3.68%+320 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.53%3.85%4.09%3.90%4.74%+120 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 / Shares79.98%68.68%66.76%62.89%52.50%-2,748 bps
Liquid Assets / Assets34.45%41.93%45.49%47.24%54.56%+2,012 bps