Eldred, PA · Charter 17213
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.85% | 3.27% | 3.59% | -5.02% | -2.52% | -537 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 | n/a | 6.76% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 134.67% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 11.80% | 20.45% | 11.09% | 0.57% | 16.21% | +441 bps | |
| Loan Growth (YoY) | 57.50% | 59.46% | 22.61% | 27.58% | 11.56% | -4,595 bps | |
| Share Growth (YoY) | 12.71% | 22.50% | 11.78% | 1.62% | 25.54% | +1,283 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 15.42% | 2.63% | +263 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.16% | 2.79% | 2.89% | 2.61% | 2.83% | -33 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 | 75.52% | 77.25% | 86.24% | 98.04% | 67.11% | -841 bps | |
| Liquid Assets / Assets | 9.26% | 9.13% | 10.15% | 10.75% | 0.53% | -872 bps | |