Marlin, PA · Charter 19491
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Marlin, PA · Charter 19491
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.26% | 0.48% | 0.33% | 0.09% | -3 bps | |
| Return on Equity | 0.71% | 1.51% | 2.73% | 1.80% | 0.51% | -20 bps | |
| Net Interest Margin | 4.17% | 4.32% | 4.06% | 5.48% | 3.21% | -97 bps | |
| Efficiency Ratio | 97.21% | 94.10% | 88.62% | 94.07% | 97.34% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.03% | -7.79% | -6.10% | -5.20% | -4.86% | +117 bps | |
| Loan Growth (YoY) | -6.04% | 1.58% | 3.61% | 3.48% | 1.21% | +726 bps | |
| Share Growth (YoY) | -7.81% | -9.74% | -7.89% | -7.03% | -6.38% | +144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 2.41% | 4.22% | 0.48% | 1.72% | +149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 1.18% | 1.16% | 1.20% | 1.24% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.42% | 16.86% | 17.72% | 18.03% | 17.79% | +137 bps | |
| Net Worth / Assets | 16.42% | 16.86% | 17.72% | 18.03% | 17.79% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.21% | 68.67% | 73.36% | 71.65% | 68.33% | +512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |