Scranton, PA · Charter 18345
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.67% | 1.44% | -1.46% | 2.00% | 2.27% | -140 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) | -30.60% | -30.07% | -37.44% | -43.91% | -36.08% | -548 bps | |
| Loan Growth (YoY) | 2.26% | -22.01% | -31.71% | -37.01% | -44.63% | -4,690 bps | |
| Share Growth (YoY) | -32.75% | -31.81% | -36.75% | -44.18% | -35.02% | -227 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.98% | 7.92% | 11.14% | 4.94% | 8.56% | +358 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.84% | 4.12% | 10.52% | 4.61% | 3.66% | +82 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 | 60.47% | 55.35% | 58.83% | 56.67% | 51.53% | -894 bps | |
| Liquid Assets / Assets | 16.03% | 40.51% | 36.62% | 30.66% | 48.70% | +3,268 bps | |