Erie, PA · Charter 5418
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Erie, PA · Charter 5418
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.59% | 0.84% | 0.72% | 0.91% | +19 bps | |
| Return on Equity | 3.22% | 2.63% | 3.58% | 3.03% | 3.63% | +41 bps | |
| Net Interest Margin | 3.74% | 3.76% | 4.06% | 4.09% | 4.29% | +55 bps | |
| Efficiency Ratio | 81.06% | 84.55% | 79.62% | 82.71% | 79.17% | -189 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.37% | -7.94% | -7.93% | -3.84% | -7.52% | +185 bps | |
| Loan Growth (YoY) | -16.46% | -11.22% | 0.51% | 9.05% | 6.72% | +2,318 bps | |
| Share Growth (YoY) | -12.46% | -10.66% | -10.96% | -5.76% | -10.70% | +177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.00% | 0.00% | 0.20% | 0.00% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.90% | 0.84% | 0.80% | 0.83% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.26% | 22.40% | 23.44% | 23.69% | 24.98% | +272 bps | |
| Net Worth / Assets | 22.26% | 22.40% | 23.44% | 23.69% | 24.98% | +272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.05% | 53.12% | 60.21% | 63.61% | 63.40% | +1,035 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |