Reading, PA · Charter 17170
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.
Reading, PA · Charter 17170
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 | 2.88% | 3.06% | 2.27% | 0.07% | 0.18% | -270 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 | 4.46% | 4.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 93.23% | 95.00% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.95% | -2.79% | -1.69% | 1.55% | 4.64% | +1,059 bps | |
| Loan Growth (YoY) | 4.71% | 3.70% | -2.14% | 3.83% | -5.96% | -1,067 bps | |
| Share Growth (YoY) | -8.13% | -4.63% | -3.17% | 0.69% | 4.56% | +1,269 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 2.23% | 1.34% | 1.61% | 3.68% | +275 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.24% | 1.10% | 1.09% | 1.20% | +1 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 | 85.48% | 87.92% | 75.97% | 80.60% | 76.88% | -860 bps | |
| Liquid Assets / Assets | 20.47% | 18.99% | 27.45% | 16.73% | 28.08% | +761 bps | |