PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M Z B

Philadelphia, PA · Charter 13642

Q2 1997

$384KAssets
$318KLoans
$383KShares
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 -0.68%, down 680 bps year over year.
  • Asset quality: problem loans at 20.75% of loans (+1,526 bps YoY).
  • Funding: loans stand at 82.99% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-0.68%-680 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets6.12%5.17%3.27%4.51%-0.68%-680 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-0.17%-1.32%-24.26%n/a
Loan Growth (YoY)n/an/a365%59.67%-0.99%n/a
Share Growth (YoY)n/an/a11.77%-0.98%-23.57%n/a
Asset Quality
Delinquent Loans / Loans5.50%20.17%43.53%21.58%20.75%+1,526 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.82%7.91%7.14%7.39%4.22%+40 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 / Shares64.06%76.44%81.45%91.20%82.99%+1,892 bps
Liquid Assets / Assets28.59%15.38%0.03%5.21%1.41%-2,719 bps