Harrisburg, PA · Charter 62371
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.72% | 3.90% | 4.06% | 0.03% | -0.47% | -320 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) | -17.94% | -16.41% | -14.02% | -8.80% | -10.08% | +786 bps | |
| Loan Growth (YoY) | -9.47% | -11.79% | -9.00% | -16.70% | -20.70% | -1,123 bps | |
| Share Growth (YoY) | -19.60% | -18.44% | -16.63% | -11.78% | -12.16% | +743 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 1.01% | 1.29% | 3.79% | 4.98% | +293 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 0.65% | 0.71% | 0.76% | 1.21% | -19 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 | 96.30% | 97.42% | 93.79% | 82.32% | 86.94% | -936 bps | |
| Liquid Assets / Assets | 11.04% | 10.65% | 16.12% | 24.22% | 0.86% | -1,018 bps | |