Chester, PA · Charter 14961
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 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.
Chester, PA · Charter 14961
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.45% | 3.20% | 2.96% | -0.02% | -0.35% | -279 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 | 6.60% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.10% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -4.29% | -5.98% | -11.81% | -10.16% | -18.00% | -1,370 bps | |
| Loan Growth (YoY) | -22.66% | -10.74% | -11.15% | -20.54% | -21.57% | +109 bps | |
| Share Growth (YoY) | -5.04% | -8.05% | -13.46% | -10.40% | -20.07% | -1,503 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.81% | 8.57% | 7.77% | 3.90% | 4.89% | -592 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.42% | 5.59% | 5.83% | 5.96% | 6.47% | -95 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 | 39.10% | 39.38% | 41.67% | 34.94% | 38.37% | -73 bps | |
| Liquid Assets / Assets | 63.59% | 65.99% | 62.05% | 64.76% | 65.09% | +150 bps | |