Uniontown, PA · Charter 22981
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Uniontown, PA · Charter 22981
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.19% | 2.49% | 1.37% | 2.32% | 2.08% | -411 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) | 61.36% | 45.16% | 9.85% | -1.44% | -5.61% | -6,696 bps | |
| Loan Growth (YoY) | 45.64% | 27.37% | 2.16% | -14.45% | -31.50% | -7,713 bps | |
| Share Growth (YoY) | 69.04% | 65.07% | 13.71% | 3.29% | 1.33% | -6,771 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.50% | 9.03% | 13.83% | 8.93% | 7.51% | -699 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.61% | 3.39% | 5.45% | 3.45% | 9.23% | +562 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 | 96.27% | 92.07% | 85.83% | 77.95% | 65.08% | -3,119 bps | |
| Liquid Assets / Assets | 11.96% | 13.94% | 19.16% | 24.54% | 36.44% | +2,448 bps | |