Erie, PA · Charter 1358
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Erie, PA · Charter 1358
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.57% | 2.20% | -2.02% | -0.21% | -11.51% | -1,508 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -24.18% | -28.29% | -36.70% | -46.31% | -28.18% | -400 bps | |
| Loan Growth (YoY) | -28.06% | -33.31% | -32.15% | -43.02% | -53.13% | -2,507 bps | |
| Share Growth (YoY) | -25.67% | -36.28% | -35.81% | -38.31% | -20.18% | +550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.69% | 10.96% | 14.39% | 12.32% | 23.90% | +1,621 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.95% | 2.01% | 4.03% | 2.92% | 13.57% | +1,063 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.01% | 103.13% | 103.48% | 106.32% | 58.72% | -4,129 bps | |
| Liquid Assets / Assets | 0.82% | 2.40% | 3.09% | 4.25% | 3.50% | +268 bps | |