Andreas, PA · Charter 23842
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Andreas, PA · Charter 23842
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.27% | 1.71% | 1.15% | -6.06% | -18.60% | -2,387 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) | n/a | n/a | -13.18% | -21.29% | -44.04% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -12.90% | -30.75% | -29.85% | n/a | |
| Share Growth (YoY) | n/a | n/a | -15.04% | -15.07% | -34.94% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 6.16% | 17.79% | 26.36% | 26.58% | +2,442 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 0.67% | 0.73% | 7.79% | 18.98% | +1,782 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 | 74.65% | 77.09% | 63.04% | 81.24% | 80.49% | +584 bps | |
| Liquid Assets / Assets | 13.47% | 16.55% | 26.85% | 8.81% | 10.37% | -311 bps | |