Wilkinsburg, PA · Charter 19828
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Wilkinsburg, PA · Charter 19828
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.16% | -0.94% | -0.87% | 0.29% | 5.06% | +1,122 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -30.51% | -27.71% | -23.37% | 15.15% | 18.22% | +4,873 bps | |
| Loan Growth (YoY) | -29.77% | -29.10% | -17.57% | -9.00% | -3.15% | +2,663 bps | |
| Share Growth (YoY) | -32.05% | -29.41% | -24.31% | 23.78% | 17.77% | +4,982 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.97% | 9.66% | 3.55% | 0.39% | 1.22% | -1,674 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.25% | 2.05% | 7.20% | 7.18% | 8.25% | -300 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 | 59.91% | 51.61% | 50.54% | 52.16% | 49.27% | -1,064 bps | |
| Liquid Assets / Assets | 24.38% | 24.28% | 42.56% | 41.78% | 39.94% | +1,556 bps | |