McKeesport, PA · Charter 22179
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
McKeesport, PA · Charter 22179
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.52% | 0.76% | 1.10% | 0.70% | +24 bps | |
| Return on Equity | 3.15% | 3.51% | 4.64% | 6.85% | 4.46% | +131 bps | |
| Net Interest Margin | 3.93% | 3.97% | 4.25% | 4.09% | 3.94% | +1 bps | |
| Efficiency Ratio | 87.07% | 86.70% | 82.81% | 68.96% | 72.98% | -1,409 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.59% | -3.88% | -3.75% | -6.32% | -1.36% | +123 bps | |
| Loan Growth (YoY) | -3.02% | -0.99% | -3.95% | -7.13% | -2.69% | +32 bps | |
| Share Growth (YoY) | -3.46% | -5.09% | -3.60% | -8.39% | -2.33% | +114 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.12% | 0.21% | 0.82% | 0.83% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.57% | 0.60% | 0.61% | 0.57% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.68% | 14.96% | 16.36% | 16.12% | 15.71% | +103 bps | |
| Net Worth / Assets | 14.68% | 14.96% | 16.36% | 16.12% | 15.71% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.97% | 69.81% | 74.41% | 68.29% | 67.71% | -25 bps | |
| Liquid Assets / Assets | 33.76% | 33.64% | 29.20% | 36.49% | 38.70% | +494 bps | |