Hazelton, PA · Charter 19718
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Hazelton, PA · Charter 19718
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.19% | 3.78% | 3.12% | 0.79% | 0.67% | -252 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.24% | 5.33% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 81.45% | 88.08% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.24% | -2.76% | -3.05% | -6.55% | -36.01% | -3,277 bps | |
| Loan Growth (YoY) | -25.12% | -39.00% | -36.82% | -25.21% | -37.37% | -1,225 bps | |
| Share Growth (YoY) | -4.66% | -4.86% | -5.29% | -8.84% | -39.94% | -3,528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 3.19% | 12.01% | 15.05% | 14.37% | +1,252 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.46% | 4.97% | 5.61% | 5.24% | 2.66% | -180 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.71% | 42.66% | 37.46% | 44.04% | 48.70% | +200 bps | |
| Liquid Assets / Assets | 52.08% | 55.88% | 62.67% | 54.99% | 53.41% | +134 bps | |