Scranton, PA · Charter 16640
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Scranton, PA · Charter 16640
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.54% | 0.02% | -2.19% | -1.74% | -244 bps | |
| Return on Equity | 4.91% | 4.04% | 0.12% | -15.64% | -12.12% | -1,703 bps | |
| Net Interest Margin | 4.67% | 4.50% | 4.33% | 4.44% | 4.44% | -23 bps | |
| Efficiency Ratio | 85.07% | 88.72% | 99.62% | 147.43% | 137.61% | +5,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.25% | -3.75% | -9.08% | -16.02% | -16.42% | -817 bps | |
| Loan Growth (YoY) | 4.25% | 4.49% | -10.10% | -28.47% | -32.91% | -3,716 bps | |
| Share Growth (YoY) | -10.13% | -5.12% | -10.90% | -17.06% | -17.13% | -700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 4.44% | 0.39% | 2.79% | 1.75% | +73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 1.50% | 1.72% | 2.04% | 2.18% | +31 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.34% | 13.37% | 14.12% | 13.98% | 14.35% | +1 bps | |
| Net Worth / Assets | 14.34% | 13.37% | 14.12% | 13.98% | 14.35% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.56% | 56.92% | 54.01% | 50.63% | 49.03% | -1,153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |