Pittsburgh, PA · Charter 20882
Q2 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.43% | -5.79% | -4.16% | -4.46% | -1.44% | +99 bps | |
| Return on Equity | -18.77% | -56.62% | -50.84% | -56.47% | -19.95% | -118 bps | |
| Net Interest Margin | 7.43% | 6.41% | 6.61% | 6.76% | 6.29% | -114 bps | |
| Efficiency Ratio | 119.49% | 133.21% | 116.78% | 160.59% | 120.33% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.86% | 4.53% | -0.11% | -4.52% | 24.68% | +2,553 bps | |
| Loan Growth (YoY) | -10.60% | -8.03% | -0.41% | -10.73% | 3.14% | +1,374 bps | |
| Share Growth (YoY) | 1.52% | 7.42% | 3.89% | -0.59% | 32.09% | +3,057 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.30% | 6.19% | 6.08% | 2.65% | 2.38% | -792 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.50% | 6.00% | 6.90% | 10.51% | 11.04% | +355 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.94% | 10.23% | 8.18% | 7.91% | 7.20% | -574 bps | |
| Net Worth / Assets | 12.94% | 10.23% | 8.18% | 7.91% | 7.20% | -574 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.86% | 45.64% | 43.92% | 42.02% | 39.71% | -1,115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |