Erie, PA · Charter 17039
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | -1.23% | -0.75% | -1.02% | -0.35% | -79 bps | |
| Return on Equity | 1.18% | -3.39% | -2.14% | -2.97% | -1.01% | -219 bps | |
| Net Interest Margin | 3.27% | 2.54% | 2.37% | 2.26% | 2.18% | -109 bps | |
| Efficiency Ratio | 90.19% | 112.47% | 113.04% | 132.16% | 93.39% | +319 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.12% | 5.65% | 7.37% | 7.72% | 7.45% | +234 bps | |
| Loan Growth (YoY) | -19.74% | -26.20% | -13.32% | -18.24% | -20.74% | -100 bps | |
| Share Growth (YoY) | 7.60% | 9.22% | 12.34% | 12.75% | 12.51% | +491 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.43% | 0.40% | 0.44% | 0.49% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.37% | 36.20% | 35.31% | 34.20% | 34.43% | -294 bps | |
| Net Worth / Assets | 37.37% | 36.20% | 35.31% | 34.20% | 34.43% | -294 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.35% | 62.59% | 65.37% | 56.88% | 51.68% | -2,167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |