Eynon, PA · Charter 22741
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.80% | 2.01% | 2.43% | 4.25% | 3.22% | +1,502 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -30.18% | -43.73% | -42.53% | -32.54% | -26.03% | +415 bps | |
| Loan Growth (YoY) | -49.48% | -54.55% | -59.17% | -9.59% | 2.99% | +5,246 bps | |
| Share Growth (YoY) | -18.14% | -46.55% | -39.04% | -36.78% | -35.72% | -1,757 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.96% | 9.17% | 9.51% | 5.29% | 14.14% | -383 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.99% | 2.73% | 1.84% | 1.26% | 1.62% | -137 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.32% | 81.45% | 71.12% | 78.29% | 80.61% | +3,030 bps | |
| Liquid Assets / Assets | 31.15% | 5.43% | 18.68% | 25.72% | 23.75% | -740 bps | |