Moundsville, WV · Charter 17353
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Moundsville, WV · Charter 17353
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.29% | 5.89% | 6.77% | -4.69% | 5.70% | -58 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -5.75% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -14.93% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 11.63% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.03% | 0.00% | 0.84% | 0.00% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.41% | 1.33% | 20.02% | 16.85% | +1,554 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 | 81.15% | 74.39% | 71.83% | 68.55% | 61.84% | -1,931 bps | |
| Liquid Assets / Assets | 20.81% | 21.73% | 28.42% | 32.12% | 33.97% | +1,317 bps | |