Easton, PA · Charter 20359
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.09% | -15.23% | -19.85% | -15.23% | -7.83% | -1,092 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 | 2.83% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 230% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -10.04% | -36.46% | -49.70% | -28.62% | -42.94% | -3,290 bps | |
| Loan Growth (YoY) | -45.81% | -44.42% | -21.69% | -30.24% | -0.07% | +4,574 bps | |
| Share Growth (YoY) | -14.86% | -36.91% | -46.04% | -27.95% | -31.67% | -1,680 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 36.76% | 54.60% | 41.78% | 54.60% | 59.71% | +2,295 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 28.08% | 37.69% | 27.85% | 37.69% | 32.59% | +451 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 | 12.63% | 10.90% | 16.33% | 10.90% | 18.46% | +584 bps | |
| Liquid Assets / Assets | 80.79% | 86.45% | 89.20% | 86.45% | 66.28% | -1,451 bps | |