Greensburg, PA · Charter 19771
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Greensburg, PA · Charter 19771
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.26% | 0.71% | 1.49% | 1.40% | 3.07% | +81 bps | |
| Return on Equity | n/a | n/a | n/a | 10.42% | 21.93% | n/a | |
| Net Interest Margin | n/a | 6.39% | 5.26% | 7.45% | 6.80% | n/a | |
| Efficiency Ratio | n/a | 88.96% | 71.78% | 62.23% | 55.94% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 82.19% | 77.11% | 84.32% | 32.63% | 10.89% | -7,130 bps | |
| Loan Growth (YoY) | 101.62% | 42.04% | 60.20% | 38.01% | 26.53% | -7,509 bps | |
| Share Growth (YoY) | 99.93% | 94.75% | 97.25% | 33.98% | 7.09% | -9,284 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.00% | 0.00% | 0.00% | 0.06% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.55% | 1.22% | 1.40% | 1.35% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.45% | 13.99% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 13.45% | 13.99% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.41% | 81.01% | 73.58% | 88.42% | 85.56% | +1,315 bps | |
| Liquid Assets / Assets | 26.80% | 14.86% | 0.00% | 23.27% | 26.33% | -47 bps | |