McKeesport, PA · Charter 13943
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 1.17% | 1.16% | 0.27% | -10.06% | -1,065 bps | |
| Return on Equity | 3.26% | 6.67% | 6.45% | 1.40% | -73.25% | -7,651 bps | |
| Net Interest Margin | 4.59% | 5.19% | 5.16% | 4.83% | 6.10% | +150 bps | |
| Efficiency Ratio | 88.06% | 78.30% | 78.30% | 94.68% | 88.48% | +43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.88% | 13.34% | 13.13% | -4.82% | -17.71% | -2,259 bps | |
| Loan Growth (YoY) | 8.00% | 18.39% | 30.60% | -15.77% | -29.99% | -3,799 bps | |
| Share Growth (YoY) | 6.10% | 12.87% | 10.29% | -6.81% | -13.13% | -1,923 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 10.49% | 5.80% | 38.32% | 54.71% | +5,359 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.36% | 1.36% | 3.10% | 14.19% | +1,263 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.98% | 17.50% | 17.98% | 19.15% | 13.74% | -425 bps | |
| Net Worth / Assets | 17.98% | 17.50% | 17.98% | 19.15% | 13.74% | -425 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.66% | 121.97% | 121.97% | 94.51% | 87.57% | -2,109 bps | |
| Liquid Assets / Assets | 10.44% | 4.41% | 4.97% | 25.00% | 0.91% | -953 bps | |