Scranton, PA · Charter 22038
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Scranton, PA · Charter 22038
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.76% | -0.06% | -1.35% | 3.00% | 2.56% | -20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 20.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.73% | 3.90% | 4.36% | n/a | |
| Efficiency Ratio | n/a | n/a | 32.00% | 24.56% | 28.75% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.42% | -10.98% | -14.79% | -10.70% | -19.15% | -1,372 bps | |
| Loan Growth (YoY) | -20.26% | -19.30% | -42.37% | -42.10% | -38.38% | -1,811 bps | |
| Share Growth (YoY) | -6.16% | -11.10% | -14.73% | -12.65% | -23.19% | -1,702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.08% | 26.50% | 31.77% | 30.08% | 33.70% | +1,462 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 14.23% | 15.56% | 12.04% | 19.71% | +1,758 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.44% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.44% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.66% | 35.93% | 29.18% | 31.66% | 28.60% | -705 bps | |
| Liquid Assets / Assets | 21.70% | 16.75% | 18.81% | 14.35% | 57.24% | +3,554 bps | |