Harrisburg, PA · Charter 3178
Q1 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1997, the quarter ended March 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Harrisburg, PA · Charter 3178
Q1 1997
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 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.42% | 4.21% | n/a | 4.31% | 4.10% | -32 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) | 7.58% | 7.19% | 5.19% | 2.83% | 1.50% | -608 bps | |
| Loan Growth (YoY) | -1.55% | 0.52% | 1.32% | 4.81% | 9.24% | +1,079 bps | |
| Share Growth (YoY) | 6.84% | 6.54% | 4.26% | 2.08% | 0.34% | -650 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 1.75% | 1.25% | 1.30% | 1.00% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.79% | 0.70% | 0.60% | 0.62% | -15 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 | 77.00% | 77.77% | 81.17% | 84.70% | 83.83% | +683 bps | |
| Liquid Assets / Assets | 4.17% | 1.80% | 2.43% | 5.65% | 4.06% | -12 bps | |