PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pleasants County School Employees

St. Mary's, WV · Charter 22938

Q2 1999

$517KAssets
$207KLoans
$377KShares
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 3.49%, down 148 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 55.02% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.49%-148 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.97%5.20%4.22%5.34%3.49%-148 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)-7.23%3.30%17.22%1.15%20.40%+2,763 bps
Loan Growth (YoY)2.31%-7.09%-5.63%-10.45%-0.20%-251 bps
Share Growth (YoY)-1.06%-1.16%1.08%-5.19%3.69%+475 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.82%3.02%3.18%3.46%3.40%+58 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 / Shares57.16%56.47%52.07%58.02%55.02%-214 bps
Liquid Assets / Assets50.54%44.55%50.02%43.35%43.63%-691 bps