Johnstown, PA · Charter 5017
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.64% | 1.90% | -0.21% | 0.66% | 0.91% | -173 bps | |
| Return on Equity | 38.76% | 25.66% | -3.25% | 9.83% | 12.68% | -2,608 bps | |
| Net Interest Margin | 0.77% | 2.60% | 3.56% | 4.24% | 4.30% | +353 bps | |
| Efficiency Ratio | 130.69% | 133.35% | 105.87% | 84.41% | 78.95% | -5,174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 75.48% | 52.37% | 93.93% | 72.29% | 6.12% | -6,937 bps | |
| Loan Growth (YoY) | 26.93% | 116.68% | 98.08% | 89.79% | 44.79% | +1,786 bps | |
| Share Growth (YoY) | 79.26% | 53.30% | 101.44% | 74.84% | 5.94% | -7,332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.42% | 0.00% | 0.00% | 0.00% | 0.00% | -842 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 0.16% | 0.14% | 0.13% | 0.16% | -200 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.82% | 7.40% | 6.42% | 6.73% | 7.16% | +35 bps | |
| Net Worth / Assets | 6.82% | 7.40% | 6.42% | 6.73% | 7.16% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.88% | 65.53% | 66.22% | 66.27% | 58.60% | +1,572 bps | |
| Liquid Assets / Assets | 133.90% | 39.05% | 37.63% | 37.36% | 0.00% | -13,390 bps | |