New Castle, PA · Charter 23274
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 1.14% | 0.91% | -2.20% | -2.87% | -374 bps | |
| Return on Equity | 3.49% | 4.60% | 3.09% | -6.90% | -8.51% | -1,200 bps | |
| Net Interest Margin | 2.67% | 1.56% | 2.70% | 1.81% | 1.84% | -83 bps | |
| Efficiency Ratio | 67.68% | 26.87% | 66.38% | 149.33% | 143.61% | +7,593 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.21% | 19.05% | -0.84% | -13.67% | -28.67% | -4,388 bps | |
| Loan Growth (YoY) | -4.59% | -7.79% | -28.02% | -48.95% | -70.05% | -6,547 bps | |
| Share Growth (YoY) | 14.97% | 20.81% | -4.11% | -19.28% | -37.20% | -5,217 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 3.93% | 5.08% | 6.08% | 1.77% | +75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.18% | 4.42% | 6.04% | 8.40% | 13.95% | +978 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.76% | 24.88% | 29.37% | 31.82% | 33.76% | +900 bps | |
| Net Worth / Assets | 24.76% | 24.88% | 29.37% | 31.82% | 33.76% | +900 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.00% | 22.04% | 20.69% | 16.99% | 11.44% | -1,256 bps | |
| Liquid Assets / Assets | 80.80% | 82.30% | 84.11% | 86.44% | 88.69% | +790 bps | |