Erie, PA · Charter 18529
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.83% | 1.79% | 2.48% | 1.14% | 0.77% | -106 bps | |
| Return on Equity | 8.31% | 8.31% | 10.02% | 5.76% | 3.69% | -461 bps | |
| Net Interest Margin | 8.38% | 7.37% | 9.47% | 5.49% | 5.48% | -290 bps | |
| Efficiency Ratio | 61.35% | 66.82% | 58.77% | 79.32% | 86.49% | +2,514 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.32% | -9.19% | -12.97% | -5.75% | 8.50% | +982 bps | |
| Loan Growth (YoY) | -0.22% | -10.24% | -9.94% | -13.85% | -7.27% | -705 bps | |
| Share Growth (YoY) | -4.30% | -12.65% | -16.58% | -6.81% | 11.31% | +1,561 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 1.75% | 6.74% | 8.82% | 4.48% | +412 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.86% | 3.78% | 5.96% | 5.93% | 5.66% | +280 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.02% | 21.49% | 24.70% | 19.69% | 20.87% | -115 bps | |
| Net Worth / Assets | 22.02% | 21.49% | 24.70% | 19.69% | 20.87% | -115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.96% | 59.09% | 70.35% | 50.97% | 57.45% | -1,151 bps | |
| Liquid Assets / Assets | 45.05% | 52.55% | 48.38% | 59.25% | 56.04% | +1,099 bps | |