PackageTrendsPeer
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Diamond

Pottstown, PA · Charter 5532

Q1 1997

$76.2MAssets
$60.0MLoans
$69.3MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.71%, up 20 bps year over year.
  • Asset quality: problem loans at 0.68% of loans (+30 bps YoY).
  • Funding: loans stand at 86.51% of shares as of Q1 1997.

Financial Results

Return on Assets (YTD, annualized)

4.71%+20 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets4.51%4.58%n/a4.64%4.71%+20 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans0.38%0.38%0.47%0.62%0.68%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.34%0.31%0.26%0.31%0.30%-4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.09%83.76%90.34%89.48%86.51%+342 bps
Liquid Assets / Assets11.75%9.57%4.07%6.42%6.72%-503 bps