Cressona, PA · Charter 23660
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Cressona, PA · Charter 23660
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.23% | -5.16% | 0.19% | -2.04% | 0.77% | +100 bps | |
| Return on Equity | -1.52% | -35.55% | 1.28% | -11.27% | 5.31% | +683 bps | |
| Net Interest Margin | 4.86% | 3.78% | 3.49% | 4.49% | 3.92% | -94 bps | |
| Efficiency Ratio | 81.58% | 83.59% | 84.34% | 76.03% | 80.52% | -106 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.59% | -2.28% | -1.27% | -12.27% | 2.71% | +1,430 bps | |
| Loan Growth (YoY) | -37.70% | -28.05% | -26.54% | -33.66% | 0.72% | +3,842 bps | |
| Share Growth (YoY) | -10.27% | 0.72% | -1.97% | -14.76% | 3.00% | +1,327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.82% | 3.80% | 4.13% | 1.59% | 3.80% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.63% | 11.72% | 13.78% | 13.76% | 11.72% | -291 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.82% | 14.52% | 14.82% | 18.07% | 14.52% | -30 bps | |
| Net Worth / Assets | 14.82% | 14.52% | 14.82% | 18.07% | 14.52% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.62% | 28.96% | 25.18% | 27.72% | 28.96% | -66 bps | |
| Liquid Assets / Assets | 43.74% | 75.71% | 78.94% | 77.88% | 75.71% | +3,197 bps | |