Pittsburgh, PA · Charter 4837
Q4 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -5.63% | -2.77% | -1.82% | -9.55% | -794 bps | |
| Return on Equity | -6.37% | -27.89% | -13.78% | -8.88% | -62.44% | -5,607 bps | |
| Net Interest Margin | 4.25% | -2.12% | 0.72% | 1.42% | 2.02% | -222 bps | |
| Efficiency Ratio | 89.21% | n/a | 445% | 206% | 279% | +19,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.10% | -2.72% | -2.59% | -1.27% | -0.36% | +774 bps | |
| Loan Growth (YoY) | -7.40% | -13.96% | -10.99% | -17.24% | -6.05% | +135 bps | |
| Share Growth (YoY) | -8.43% | -1.04% | 0.88% | 2.69% | 11.08% | +1,950 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.74% | 10.28% | 22.30% | 14.30% | 15.55% | +182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 2.18% | 2.33% | 2.51% | 11.00% | +893 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.14% | 20.20% | 20.10% | 20.54% | 15.29% | -985 bps | |
| Net Worth / Assets | 25.14% | 20.20% | 20.10% | 20.54% | 15.29% | -985 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.11% | 71.43% | 66.69% | 63.57% | 75.37% | -1,374 bps | |
| Liquid Assets / Assets | 32.60% | 43.14% | 45.97% | 49.09% | 40.48% | +788 bps | |