Wellsboro, PA · Charter 17610
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.24% | -2.84% | 1.62% | 1.78% | +132 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) | -15.80% | -24.55% | -27.29% | -41.24% | -43.65% | -2,785 bps | |
| Loan Growth (YoY) | -23.33% | -31.47% | -26.64% | -41.24% | -50.70% | -2,737 bps | |
| Share Growth (YoY) | -16.12% | -26.20% | -26.95% | -45.77% | -49.38% | -3,326 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.58% | 23.61% | 32.48% | 27.20% | 32.69% | +1,712 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.08% | 6.70% | 12.98% | 15.72% | 8.41% | +533 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 | 97.14% | 101.02% | 91.64% | 100.53% | 94.61% | -253 bps | |
| Liquid Assets / Assets | 25.14% | 21.73% | 1.91% | 1.94% | 0.87% | -2,427 bps | |