E. Stroudsburg, PA · Charter 5938
Q2 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.07% | -2.44% | -10.49% | -7.26% | -3.96% | +11 bps | |
| Return on Equity | -33.74% | -21.61% | -319% | -424% | -207% | -17,311 bps | |
| Net Interest Margin | 6.01% | 5.62% | 6.10% | 6.29% | 6.33% | +32 bps | |
| Efficiency Ratio | 95.62% | 95.57% | 94.47% | 215% | 161.83% | +6,621 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.30% | -9.66% | -12.79% | -12.83% | -13.72% | +658 bps | |
| Loan Growth (YoY) | -11.46% | -2.97% | -17.80% | -18.85% | -11.48% | -1 bps | |
| Share Growth (YoY) | -21.10% | -8.88% | -4.14% | -1.64% | -3.88% | +1,723 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.85% | 13.92% | 12.28% | 8.17% | 7.63% | -822 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.88% | 3.68% | 9.00% | 8.69% | 7.69% | +382 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.07% | 11.28% | 3.29% | 1.71% | 1.92% | -1,015 bps | |
| Net Worth / Assets | 12.07% | 11.28% | 3.29% | 1.71% | 1.92% | -1,015 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.24% | 77.87% | 67.18% | 67.62% | 73.90% | -634 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |