PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Forbes Employee

Pittsburgh, PA · Charter 23443

Q2 2000

$1.1MAssets
$582KLoans
$1.0MShares
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 1.47%, up 57 bps year over year; NIM at 6.37%.
  • Asset quality: problem loans at 7.17% of loans (+268 bps YoY).
  • Funding: loans stand at 57.87% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

1.47%+57 bps YoY

Net Interest Margin (YTD, annualized)

6.37%

Efficiency Ratio (YTD, annualized)

67.73%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets0.89%2.97%-0.74%-0.17%1.47%+57 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a6.52%6.37%n/a
Efficiency Ration/an/an/a60.68%67.73%n/a
Growth
Asset Growth (YoY)-2.78%-6.44%-0.95%2.34%-18.25%-1,547 bps
Loan Growth (YoY)2.30%0.87%-9.07%-16.36%-29.93%-3,223 bps
Share Growth (YoY)-4.62%-8.67%0.02%1.68%-21.89%-1,726 bps
Asset Quality
Delinquent Loans / Loans4.49%7.49%5.55%1.40%7.17%+268 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.69%1.42%1.68%2.63%2.75%+6 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 / Shares64.51%74.90%57.48%62.34%57.87%-664 bps
Liquid Assets / Assets28.45%29.92%43.96%0.96%48.41%+1,995 bps