McKeesport, PA · Charter 60626
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.21% | 0.11% | 0.82% | 0.43% | +28 bps | |
| Return on Equity | n/a | n/a | 0.77% | 5.55% | 2.90% | n/a | |
| Net Interest Margin | 2.83% | 2.74% | 3.25% | 3.54% | 4.38% | +155 bps | |
| Efficiency Ratio | 94.55% | 92.36% | 89.74% | 78.01% | 65.48% | -2,907 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.35% | -1.62% | -11.19% | -5.42% | -3.56% | +78 bps | |
| Loan Growth (YoY) | 8.79% | 12.21% | 30.40% | 24.61% | 9.92% | +113 bps | |
| Share Growth (YoY) | -5.41% | -2.17% | -13.08% | -7.01% | -3.17% | +224 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 1.11% | 3.60% | 3.55% | 0.99% | +87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 0.84% | 1.25% | 1.21% | 0.78% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 14.83% | 14.82% | 14.89% | n/a | |
| Net Worth / Assets | n/a | n/a | 14.83% | 14.82% | 14.89% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.36% | 40.48% | 52.26% | 52.37% | 45.81% | +546 bps | |
| Liquid Assets / Assets | 20.91% | 27.16% | 20.02% | 34.63% | 49.78% | +2,888 bps | |