Plains, PA · Charter 20388
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 | 4.18% | 4.23% | 3.97% | 4.21% | 3.84% | -34 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) | -1.19% | -6.47% | -14.46% | -11.27% | -24.14% | -2,294 bps | |
| Loan Growth (YoY) | 9.48% | -6.23% | -20.96% | -9.81% | -18.30% | -2,778 bps | |
| Share Growth (YoY) | -2.69% | -8.40% | -20.69% | -17.36% | -32.64% | -2,994 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 2.53% | 1.38% | 0.00% | 1.43% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.42% | 3.98% | 4.39% | 4.40% | 4.85% | +143 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 | 63.67% | 60.02% | 66.85% | 71.20% | 77.21% | +1,355 bps | |
| Liquid Assets / Assets | 46.22% | 50.32% | 47.88% | 44.94% | 43.78% | -244 bps | |