Wyoming, PA · Charter 19113
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.01% | -0.05% | -1.68% | 0.21% | +9 bps | |
| Return on Equity | 0.40% | 0.02% | -0.16% | -5.42% | 0.66% | +26 bps | |
| Net Interest Margin | 4.80% | 4.97% | 4.93% | 4.39% | 1.56% | -323 bps | |
| Efficiency Ratio | 97.35% | 99.85% | 101.01% | 138.09% | 86.63% | -1,073 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.90% | -3.90% | -2.52% | 1.43% | -6.51% | -261 bps | |
| Loan Growth (YoY) | 28.57% | 22.78% | 3.38% | 1.55% | -17.43% | -4,600 bps | |
| Share Growth (YoY) | -4.14% | -6.54% | -3.98% | 2.67% | -8.73% | -459 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.68% | 4.02% | 15.88% | 16.50% | 20.29% | +1,561 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.96% | 4.59% | 4.70% | 7.26% | 6.70% | +275 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.92% | 31.63% | 31.05% | 30.99% | 32.36% | +44 bps | |
| Net Worth / Assets | 31.92% | 31.63% | 31.05% | 30.99% | 32.36% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.53% | 64.84% | 61.36% | 57.79% | 66.53% | -701 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |