Warminster, PA · Charter 24455
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.51% | 3.55% | 3.43% | 3.45% | 3.29% | -22 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) | 5.52% | 3.90% | 6.92% | 10.87% | 11.63% | +611 bps | |
| Loan Growth (YoY) | 19.31% | 21.01% | 23.89% | 7.23% | 3.55% | -1,576 bps | |
| Share Growth (YoY) | 4.14% | 2.60% | 5.83% | 10.03% | 10.85% | +671 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.24% | 2.45% | 2.42% | 2.45% | 2.04% | -120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.86% | 1.01% | 0.96% | 0.94% | -21 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 | 63.92% | 66.30% | 65.95% | 63.05% | 59.72% | -421 bps | |
| Liquid Assets / Assets | 22.00% | 21.15% | 17.26% | 24.39% | 24.70% | +270 bps | |