Perkasie, PA · Charter 16451
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Perkasie, PA · Charter 16451
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.95% | 4.12% | -7.05% | -5.46% | 1.11% | -284 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 | 6.54% | 5.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 82.57% | 80.67% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.08% | -5.31% | -13.16% | -18.77% | -32.12% | -2,604 bps | |
| Loan Growth (YoY) | 5.70% | -1.86% | 1.59% | -22.74% | -30.34% | -3,604 bps | |
| Share Growth (YoY) | -6.39% | -5.65% | -8.78% | -16.07% | -30.68% | -2,429 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.67% | 11.01% | 7.82% | 12.24% | 18.30% | +863 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.38% | 1.89% | 6.41% | 7.79% | 8.69% | +531 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 | 103.31% | 102.77% | 99.21% | 93.33% | 103.82% | +51 bps | |
| Liquid Assets / Assets | 3.42% | 4.58% | 5.57% | 12.37% | 0.09% | -333 bps | |