Greensburg, PA · Charter 20052
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.36% | 0.19% | -3.20% | -4.98% | -15.10% | -474 bps | |
| Return on Equity | -39.95% | 0.68% | -10.03% | -16.43% | -76.68% | -3,673 bps | |
| Net Interest Margin | 1.21% | 1.20% | 0.97% | 0.80% | -9.17% | -1,037 bps | |
| Efficiency Ratio | 94.09% | 89.01% | 260% | 474% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.99% | -5.39% | -18.25% | -16.14% | -26.80% | -2,979 bps | |
| Loan Growth (YoY) | 7.82% | -1.82% | -42.85% | -58.46% | -77.20% | -8,503 bps | |
| Share Growth (YoY) | 2.77% | -7.43% | -23.19% | -18.83% | -21.31% | -2,408 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.82% | 7.33% | 10.76% | 3.50% | 0.00% | -682 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 52.81% | 63.92% | 105.91% | 128.09% | 0.00% | -5,281 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.94% | 27.57% | 31.85% | 30.32% | 19.69% | -625 bps | |
| Net Worth / Assets | 25.94% | 27.57% | 31.85% | 30.32% | 19.69% | -625 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 6.82% | 6.01% | 4.63% | 3.76% | 1.98% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |