Greenville, PA · Charter 17618
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.
Greenville, PA · Charter 17618
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 | 1.54% | 1.99% | 1.93% | -1.39% | -2.19% | -373 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 | 6.30% | 7.62% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 100.38% | 88.04% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.34% | 5.89% | 5.75% | -10.00% | -24.59% | -2,425 bps | |
| Loan Growth (YoY) | -39.91% | -39.36% | -40.37% | -44.10% | -45.72% | -581 bps | |
| Share Growth (YoY) | 1.54% | 7.08% | 6.58% | -8.84% | -23.63% | -2,517 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.63% | 5.25% | 5.24% | 9.81% | 5.90% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.40% | 2.55% | 3.16% | 6.37% | 4.95% | +255 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 | 45.13% | 49.72% | 38.02% | 37.67% | 32.08% | -1,305 bps | |
| Liquid Assets / Assets | 52.74% | 48.40% | 60.60% | 7.36% | 23.63% | -2,911 bps | |