Pottstown, PA · Charter 5532
Q1 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1997, the quarter ended March 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.
Pottstown, PA · Charter 5532
Q1 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 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.51% | 4.58% | n/a | 4.64% | 4.71% | +20 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) | 19.00% | 18.05% | 16.36% | 19.28% | 11.13% | -787 bps | |
| Loan Growth (YoY) | 20.64% | 22.00% | 23.71% | 24.20% | 15.28% | -535 bps | |
| Share Growth (YoY) | 18.37% | 17.71% | 15.52% | 18.59% | 10.73% | -764 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.38% | 0.47% | 0.62% | 0.68% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.31% | 0.26% | 0.31% | 0.30% | -4 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 | 83.09% | 83.76% | 90.34% | 89.48% | 86.51% | +342 bps | |
| Liquid Assets / Assets | 11.75% | 9.57% | 4.07% | 6.42% | 6.72% | -503 bps | |