PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Scranton City Employees

Scranton, PA · Charter 20983

Q2 1999

$323KAssets
$153KLoans
$275KShares
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 1.63%, down 264 bps year over year.
  • Asset quality: problem loans at 6.50% of loans (-95 bps YoY).
  • Funding: loans stand at 55.65% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

1.63%-264 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.27%2.62%3.65%3.59%1.63%-264 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)-10.43%-10.85%-6.92%-5.60%-7.61%+281 bps
Loan Growth (YoY)-24.24%-24.95%-33.43%-22.99%-20.65%+359 bps
Share Growth (YoY)-14.47%-12.96%-8.71%-8.42%-7.68%+679 bps
Asset Quality
Delinquent Loans / Loans7.44%5.63%6.38%6.63%6.50%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.59%4.11%4.46%4.68%3.95%-64 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 / Shares64.74%60.65%61.79%62.15%55.65%-910 bps
Liquid Assets / Assets34.39%39.82%36.22%42.67%35.36%+97 bps