Catasauqua, PA · Charter 1498
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.
Catasauqua, PA · Charter 1498
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 | 3.57% | 4.06% | 3.84% | 3.62% | 0.03% | -354 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 | 3.47% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.83% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 2.93% | 1.72% | 2.51% | 6.05% | 15.30% | +1,237 bps | |
| Loan Growth (YoY) | 37.19% | 30.08% | 27.04% | 10.06% | -0.82% | -3,801 bps | |
| Share Growth (YoY) | 2.25% | 0.19% | 1.51% | 5.47% | 15.90% | +1,365 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.21% | 9.02% | 7.47% | 13.12% | 15.50% | +1,029 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.53% | 3.44% | 2.30% | 2.28% | 3.94% | +41 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 | 61.43% | 63.10% | 62.24% | 56.79% | 52.57% | -886 bps | |
| Liquid Assets / Assets | 36.96% | 41.67% | 41.86% | 44.78% | 47.82% | +1,086 bps | |