Pottsville, PA · Charter 3882
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 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.
Pottsville, PA · Charter 3882
Q4 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.65% | 3.95% | 3.44% | 3.58% | 3.23% | +58 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) | n/a | -14.98% | -15.39% | -13.13% | -12.14% | n/a | |
| Loan Growth (YoY) | n/a | 113.98% | 101.61% | 58.54% | -6.40% | n/a | |
| Share Growth (YoY) | n/a | -17.58% | -18.52% | -16.95% | -16.55% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.40% | 1.31% | 5.05% | 0.00% | 6.03% | +463 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.77% | 2.76% | 2.46% | 2.75% | 3.03% | +26 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 | 74.34% | 70.24% | 85.61% | 79.42% | 83.39% | +905 bps | |
| Liquid Assets / Assets | 35.39% | 35.85% | 22.82% | 33.34% | 31.97% | -342 bps | |