Reynoldsville, PA · Charter 24480
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.31% | 0.28% | 0.00% | -0.96% | -119 bps | |
| Return on Equity | 2.19% | 2.77% | 2.42% | 0.00% | -9.03% | -1,123 bps | |
| Net Interest Margin | 1.49% | 1.57% | 1.53% | 0.66% | 0.21% | -128 bps | |
| Efficiency Ratio | 69.71% | 69.20% | 72.92% | 100.00% | 257% | +18,717 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.30% | -7.48% | -8.78% | -2.92% | -2.50% | -20 bps | |
| Loan Growth (YoY) | 0.37% | -5.11% | -5.32% | -5.77% | -7.02% | -739 bps | |
| Share Growth (YoY) | -4.62% | -3.98% | -1.83% | 0.45% | 1.14% | +576 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.59% | 1.47% | 1.20% | 0.90% | 1.43% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.23% | 0.28% | 0.28% | 0.27% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.69% | 11.17% | 11.54% | 11.16% | 10.63% | -6 bps | |
| Net Worth / Assets | 10.69% | 11.17% | 11.54% | 11.16% | 10.63% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.69% | 75.35% | 74.29% | 69.93% | 68.67% | -602 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |