Summerdale, PA · Charter 5725
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Summerdale, PA · Charter 5725
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.05% | 0.13% | 0.14% | -2.30% | -238 bps | |
| Return on Equity | 0.58% | 0.41% | 0.94% | 0.99% | -15.81% | -1,639 bps | |
| Net Interest Margin | 3.09% | 3.05% | 2.99% | 3.33% | 1.72% | -137 bps | |
| Efficiency Ratio | 97.49% | 98.21% | 103.10% | 95.74% | 234% | +13,622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.66% | 7.06% | -1.10% | -5.25% | -14.30% | -2,097 bps | |
| Loan Growth (YoY) | -7.74% | -0.49% | 7.64% | -15.30% | -27.67% | -1,993 bps | |
| Share Growth (YoY) | 7.81% | 8.36% | -1.42% | -6.26% | -15.51% | -2,332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 1.31% | 2.14% | 1.31% | 2.02% | +189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.18% | 4.62% | 4.13% | 4.59% | 5.16% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.38% | 13.40% | 13.71% | 14.26% | 14.56% | +118 bps | |
| Net Worth / Assets | 13.38% | 13.40% | 13.71% | 14.26% | 14.56% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.59% | 50.39% | 51.30% | 48.19% | 47.59% | -801 bps | |
| Liquid Assets / Assets | 29.59% | 34.09% | 43.78% | 34.47% | 32.67% | +308 bps | |