PackageTrendsPeer
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Norristown Bell

Blue Bell, PA · Charter 3782

Q2 1997

$23.7MAssets
$11.9MLoans
$22.0MShares
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 3.35%, down 20 bps year over year.
  • Asset quality: problem loans at 1.06% of loans (-195 bps YoY).
  • Funding: loans stand at 54.00% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.35%-20 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.55%3.31%3.70%3.89%3.35%-20 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)n/an/a-6.97%-3.33%-4.62%n/a
Loan Growth (YoY)n/an/a-8.42%-7.45%-2.18%n/a
Share Growth (YoY)n/an/a-8.11%-4.54%-5.63%n/a
Asset Quality
Delinquent Loans / Loans3.00%1.06%0.80%1.30%1.06%-195 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.77%1.11%1.51%1.11%1.48%-29 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 / Shares52.11%53.32%48.90%54.54%54.00%+190 bps
Liquid Assets / Assets13.89%21.04%13.99%19.93%19.52%+563 bps