PackageTrendsPeer
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Dulico

McKeesport, PA · Charter 3043

Q2 1999

$642KAssets
$408KLoans
$562KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.95%, down 101 bps year over year.
  • Asset quality: problem loans at 9.29% of loans (+859 bps YoY).
  • Funding: loans stand at 72.60% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.95%-101 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.97%3.65%3.69%3.77%2.95%-101 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.02%7.23%1.08%6.12%8.15%+712 bps
Loan Growth (YoY)10.54%4.29%-21.03%-23.94%-23.38%-3,392 bps
Share Growth (YoY)2.97%8.22%15.32%19.13%9.45%+648 bps
Asset Quality
Delinquent Loans / Loans0.69%3.11%6.16%6.06%9.29%+859 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.39%1.02%2.33%2.58%2.84%+145 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares103.71%94.33%83.16%77.53%72.60%-3,111 bps
Liquid Assets / Assets1.43%1.40%0.00%0.00%28.90%+2,747 bps