Gettysburg, PA · Charter 24112
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Gettysburg, PA · Charter 24112
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.35% | 4.32% | 0.96% | 2.40% | 3.35% | -100 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) | 19.33% | 7.95% | 8.30% | 7.84% | 5.10% | -1,423 bps | |
| Loan Growth (YoY) | 4.67% | -28.66% | -33.16% | -9.00% | 25.68% | +2,101 bps | |
| Share Growth (YoY) | 16.35% | 4.00% | 6.68% | 6.63% | 4.50% | -1,184 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.53% | 2.88% | 0.00% | 1.23% | 0.69% | -284 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.40% | 2.02% | 1.99% | 1.61% | 1.49% | -191 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 | 52.81% | 55.91% | 50.82% | 70.51% | 63.51% | +1,070 bps | |
| Liquid Assets / Assets | 50.13% | 46.82% | 51.71% | 34.93% | 40.34% | -979 bps | |