PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I. G. A.

Feasterville, PA · Charter 22056

Q2 1998

$160.0MAssets
$99.0MLoans
$143.9MShares
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 3.47%, down 84 bps year over year.
  • Asset quality: problem loans at 0.52% of loans (-62 bps YoY).
  • Funding: loans stand at 68.80% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.47%-84 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets4.31%4.18%4.29%3.37%3.47%-84 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)3.49%2.97%-3.67%-3.37%-3.09%-658 bps
Loan Growth (YoY)6.47%1.82%-1.94%-3.59%-2.26%-873 bps
Share Growth (YoY)2.76%2.21%-4.80%-4.45%-3.95%-671 bps
Asset Quality
Delinquent Loans / Loans1.14%1.27%1.12%0.44%0.52%-62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%1.02%1.05%0.76%0.96%+31 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 / Shares67.62%69.49%72.09%67.31%68.80%+118 bps
Liquid Assets / Assets14.15%13.79%16.72%11.12%13.45%-70 bps