Throop, PA · Charter 19704
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Throop, PA · Charter 19704
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.46% | -1.75% | -1.97% | -2.38% | -2.00% | +46 bps | |
| Return on Equity | -27.10% | -19.92% | -22.56% | -30.87% | -29.78% | -268 bps | |
| Net Interest Margin | 1.58% | 1.67% | 1.68% | 1.49% | 1.33% | -25 bps | |
| Efficiency Ratio | 215% | 186.00% | 195.45% | 217% | 178.72% | -3,584 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.62% | -2.01% | -7.21% | -5.68% | 1.40% | +303 bps | |
| Loan Growth (YoY) | -13.51% | -17.85% | -25.21% | -36.67% | -32.17% | -1,866 bps | |
| Share Growth (YoY) | 1.00% | 0.59% | -5.38% | -3.95% | 4.02% | +302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.72% | 0.00% | 0.00% | 0.00% | -85 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.12% | 1.53% | 1.11% | 0.61% | 0.98% | -214 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.08% | 8.78% | 8.73% | 7.71% | 6.73% | -235 bps | |
| Net Worth / Assets | 9.08% | 8.78% | 8.73% | 7.71% | 6.73% | -235 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.16% | 20.44% | 19.38% | 14.62% | 14.45% | -771 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |