Beaver, PA · Charter 24261
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.99% | 1.10% | 1.11% | 2.37% | +155 bps | |
| Return on Equity | 5.83% | 6.61% | 7.09% | 6.66% | 13.48% | +765 bps | |
| Net Interest Margin | 3.00% | 3.32% | 3.75% | 3.67% | 2.70% | -30 bps | |
| Efficiency Ratio | 70.11% | 70.01% | 70.86% | 69.78% | 53.95% | -1,615 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.41% | -12.50% | -16.36% | -16.66% | -15.82% | -841 bps | |
| Loan Growth (YoY) | -15.36% | -7.78% | 1.51% | -3.39% | 6.45% | +2,181 bps | |
| Share Growth (YoY) | -9.62% | -14.06% | -21.08% | -19.70% | -17.07% | -746 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.03% | 4.27% | 21.45% | 8.71% | +723 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.19% | 0.21% | 0.22% | 0.00% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.21% | 15.06% | 15.52% | 16.75% | 17.61% | +341 bps | |
| Net Worth / Assets | 14.21% | 15.06% | 15.52% | 16.75% | 17.61% | +341 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.29% | 35.23% | 34.71% | 34.36% | 42.74% | +945 bps | |
| Liquid Assets / Assets | 21.20% | 18.69% | 17.48% | 18.14% | 7.75% | -1,345 bps | |