Pittsburgh, PA · Charter 1538
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.84% | 1.16% | 3.29% | 2.06% | 1.47% | -37 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) | -12.49% | -14.41% | -18.57% | -19.61% | -15.26% | -277 bps | |
| Loan Growth (YoY) | -10.50% | -27.81% | -40.22% | -46.84% | -56.49% | -4,599 bps | |
| Share Growth (YoY) | -13.34% | -14.45% | -19.27% | -19.98% | -15.55% | -221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.35% | 3.19% | 7.06% | 3.98% | 5.63% | +128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.76% | 3.81% | 5.17% | 4.49% | 6.42% | +367 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 | 64.49% | 54.05% | 45.70% | 43.20% | 33.22% | -3,127 bps | |
| Liquid Assets / Assets | 39.74% | 33.52% | 46.69% | 50.92% | 39.71% | -2 bps | |