Wynnewood, PA · Charter 23954
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.14% | 6.03% | 4.64% | 1.73% | 2.48% | -165 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) | -11.53% | -17.78% | -15.02% | -4.34% | 25.22% | +3,675 bps | |
| Loan Growth (YoY) | -4.00% | 12.42% | 12.24% | 10.17% | 2.01% | +601 bps | |
| Share Growth (YoY) | -20.61% | -23.94% | -20.71% | -5.64% | 28.29% | +4,890 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 1.16% | 2.11% | 0.74% | 1.00% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.90% | 5.59% | 5.01% | 5.76% | 4.90% | -100 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 | 79.33% | 78.20% | 86.68% | 66.35% | 63.08% | -1,625 bps | |
| Liquid Assets / Assets | 18.98% | 18.60% | 18.56% | 16.46% | 15.94% | -304 bps | |