Edinboro, PA · Charter 24459
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 | 4.89% | 4.09% | 3.42% | 3.92% | 3.10% | -179 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) | -4.11% | 11.59% | 25.43% | 8.29% | 16.42% | +2,053 bps | |
| Loan Growth (YoY) | 38.07% | 26.63% | 11.50% | -4.50% | -12.59% | -5,066 bps | |
| Share Growth (YoY) | -6.88% | 9.70% | 25.92% | 6.76% | 16.66% | +2,354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.24% | 8.42% | 6.64% | 4.96% | 4.69% | -255 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.44% | 2.14% | 1.56% | 3.46% | +224 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 | 76.85% | 74.21% | 61.43% | 67.76% | 57.58% | -1,927 bps | |
| Liquid Assets / Assets | 22.32% | 27.67% | 37.67% | 26.14% | 31.99% | +967 bps | |