Clarion, PA · Charter 17156
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.73% | 0.19% | 0.19% | -1.27% | -222 bps | |
| Return on Equity | 8.61% | 6.17% | 1.78% | 1.82% | -12.36% | -2,097 bps | |
| Net Interest Margin | 4.06% | 4.34% | 4.14% | 3.75% | 3.69% | -36 bps | |
| Efficiency Ratio | 88.10% | 83.93% | 101.22% | 95.13% | 131.54% | +4,344 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.96% | 12.96% | 19.92% | 13.28% | -1.36% | -1,632 bps | |
| Loan Growth (YoY) | 1.16% | 6.68% | 4.20% | -2.53% | 0.51% | -65 bps | |
| Share Growth (YoY) | 16.45% | 14.07% | 23.03% | 15.45% | 0.50% | -1,595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.62% | 0.70% | 1.52% | 1.35% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.12% | 0.12% | 0.12% | 0.10% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.05% | 11.83% | 10.89% | 10.66% | 10.28% | -77 bps | |
| Net Worth / Assets | 11.05% | 11.83% | 10.89% | 10.66% | 10.28% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.02% | 79.55% | 74.63% | 70.11% | 74.03% | +1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |