PackageTrendsPeer
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Wilkinsburg Employees

Wilkinsburg, PA · Charter 19828

Q2 1999

$156KAssets
$67KLoans
$135KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 5.06%, up 1,122 bps year over year.
  • Asset quality: problem loans at 1.22% of loans (-1,674 bps YoY).
  • Funding: loans stand at 49.27% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

5.06%+1,122 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets-6.16%-0.94%-0.87%0.29%5.06%+1,122 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans17.97%9.66%3.55%0.39%1.22%-1,674 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.25%2.05%7.20%7.18%8.25%-300 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares59.91%51.61%50.54%52.16%49.27%-1,064 bps
Liquid Assets / Assets24.38%24.28%42.56%41.78%39.94%+1,556 bps