Bethlehem, PA · Charter 16148
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Bethlehem, PA · Charter 16148
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.02% | 3.01% | 3.22% | 4.97% | 5.06% | +104 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) | 8.37% | 17.22% | 6.33% | 5.34% | 0.02% | -835 bps | |
| Loan Growth (YoY) | 8.37% | -9.99% | -17.27% | -16.33% | -35.77% | -4,413 bps | |
| Share Growth (YoY) | 6.62% | 16.14% | 5.44% | 3.69% | -2.34% | -896 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 0.43% | 0.06% | 0.81% | 14.01% | +1,296 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.10% | 5.31% | 5.27% | 5.84% | 8.43% | +333 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 | 73.36% | 60.99% | 62.94% | 54.06% | 48.25% | -2,511 bps | |
| Liquid Assets / Assets | 23.56% | 26.51% | 30.77% | 29.11% | 35.10% | +1,154 bps | |