PackageTrendsPeer
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Gettysburg Area

Gettysburg, PA · Charter 24112

Q2 1998

$754KAssets
$439KLoans
$691KShares
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 3.35%, down 100 bps year over year.
  • Asset quality: problem loans at 0.69% of loans (-284 bps YoY).
  • Funding: loans stand at 63.51% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.35%-100 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.35%4.32%0.96%2.40%3.35%-100 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans3.53%2.88%0.00%1.23%0.69%-284 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%2.02%1.99%1.61%1.49%-191 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 / Shares52.81%55.91%50.82%70.51%63.51%+1,070 bps
Liquid Assets / Assets50.13%46.82%51.71%34.93%40.34%-979 bps