Pittsburgh, PA · Charter 18787
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.11% | 1.49% | -13.49% | -10.75% | -1,085 bps | |
| Return on Equity | 0.88% | 0.94% | 13.43% | -216% | -133.99% | -13,488 bps | |
| Net Interest Margin | 2.57% | 2.69% | 3.59% | 3.77% | 4.29% | +172 bps | |
| Efficiency Ratio | 67.40% | 68.04% | 39.30% | 72.73% | 71.20% | +380 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.84% | -12.92% | -1.57% | -7.53% | -22.01% | -617 bps | |
| Loan Growth (YoY) | -17.44% | -10.92% | -16.47% | -37.12% | -45.46% | -2,802 bps | |
| Share Growth (YoY) | -11.45% | -16.05% | -3.00% | -7.90% | -23.66% | -1,221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 49.17% | 48.99% | 61.39% | 54.86% | 85.20% | +3,603 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.01% | 11.11% | 12.67% | 30.48% | 35.25% | +2,523 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.89% | 11.22% | 11.10% | 6.25% | 8.02% | -287 bps | |
| Net Worth / Assets | 10.89% | 11.22% | 11.10% | 6.25% | 8.02% | -287 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.15% | 25.94% | 22.19% | 17.07% | 18.68% | -747 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |