Pittsburgh, PA · Charter 21855
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pittsburgh, PA · Charter 21855
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.01% | -0.53% | -1.07% | -1.28% | -122 bps | |
| Return on Equity | -0.76% | -0.14% | -6.11% | -13.08% | -16.12% | -1,536 bps | |
| Net Interest Margin | 3.93% | 3.95% | 3.32% | 3.30% | 3.36% | -57 bps | |
| Efficiency Ratio | 95.00% | 95.35% | 112.62% | 119.97% | 120.52% | +2,552 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.66% | -11.86% | -6.45% | -3.71% | -1.73% | +392 bps | |
| Loan Growth (YoY) | -29.41% | -21.70% | -15.91% | -10.36% | -9.63% | +1,978 bps | |
| Share Growth (YoY) | -6.12% | -12.86% | -6.62% | -3.25% | -0.58% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.57% | 1.91% | 1.55% | 1.39% | 1.27% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.62% | 1.28% | 1.36% | 1.57% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.80% | 9.04% | 8.68% | 8.18% | 7.96% | -84 bps | |
| Net Worth / Assets | 8.80% | 9.04% | 8.68% | 8.18% | 7.96% | -84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.74% | 61.41% | 57.84% | 57.75% | 57.94% | -580 bps | |
| Liquid Assets / Assets | 37.06% | 38.99% | 42.19% | 42.41% | 42.29% | +522 bps | |