Scranton, PA · Charter 21570
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.45% | 0.55% | -0.01% | 0.07% | -46 bps | |
| Return on Equity | 5.13% | 4.34% | 4.76% | -0.10% | 0.73% | -440 bps | |
| Net Interest Margin | 2.70% | 2.77% | 3.13% | 2.38% | 2.16% | -54 bps | |
| Efficiency Ratio | 81.83% | 85.03% | 83.47% | 100.39% | 96.97% | +1,514 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 37.95% | 58.56% | 17.82% | 25.10% | 8.18% | -2,977 bps | |
| Loan Growth (YoY) | -34.46% | -32.06% | -33.05% | -29.16% | -18.40% | +1,606 bps | |
| Share Growth (YoY) | 47.45% | 66.71% | 19.18% | 27.73% | 8.90% | -3,855 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 4.31% | 2.68% | 1.38% | 1.76% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.51% | 3.72% | 3.95% | 3.37% | 3.54% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.24% | 10.26% | 11.66% | 10.28% | 9.61% | -64 bps | |
| Net Worth / Assets | 10.24% | 10.26% | 11.66% | 10.28% | 9.61% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.56% | 35.72% | 38.47% | 29.55% | 28.14% | -942 bps | |
| Liquid Assets / Assets | 53.67% | 67.24% | 65.34% | 71.90% | 73.58% | +1,991 bps | |