Pittsburgh, PA · Charter 24639
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | -5.22% | -5.04% | -18.55% | -17.44% | -1,898 bps | |
| Return on Equity | 21.48% | -136.63% | -225% | n/a | n/a | n/a | |
| Net Interest Margin | 5.42% | 5.80% | 5.11% | 12.94% | 5.87% | +45 bps | |
| Efficiency Ratio | 84.39% | 62.86% | 58.60% | 65.52% | 199.09% | +11,471 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 30.08% | 6.60% | 9.00% | -59.87% | -58.74% | -8,881 bps | |
| Loan Growth (YoY) | 975% | 115.96% | -21.11% | -64.38% | -68.32% | -104,297 bps | |
| Share Growth (YoY) | 46.67% | 11.34% | 17.18% | -56.18% | -53.24% | -9,990 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.08% | 20.19% | 25.24% | 14.66% | 9.36% | -772 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 7.10% | 12.34% | 15.96% | +1,596 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.20% | 3.82% | 2.24% | -1.58% | -5.86% | -1,306 bps | |
| Net Worth / Assets | 7.20% | 3.82% | 2.24% | -1.58% | -5.86% | -1,306 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.82% | 33.03% | 22.07% | 47.68% | 35.79% | -1,703 bps | |
| Liquid Assets / Assets | 35.14% | 55.98% | 67.65% | 32.53% | 57.45% | +2,231 bps | |