PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Basil Parish

Pittsburgh, PA · Charter 62647

Q1 2009

$5.9MAssets
$2.2MLoans
$5.1MShares
$746KNet 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 -5.58%, down 632 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (-70 bps YoY).
  • Capital: net worth / assets of 12.75%, down 148 bps from a year ago.
  • Funding: loans stand at 42.60% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.58%-632 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-92 bps YoY

Efficiency Ratio (YTD, annualized)

128.13%+4,216 bps YoY

Net Worth / Assets

12.75%-148 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.73%0.63%0.54%0.28%-5.58%-632 bps
Return on Equity5.16%4.35%3.59%2.00%-43.81%-4,897 bps
Net Interest Margin4.70%4.60%4.62%4.28%3.78%-92 bps
Efficiency Ratio85.97%86.21%88.54%93.32%128.13%+4,216 bps
Growth
Asset Growth (YoY)-3.64%-1.72%-4.42%2.39%1.63%+526 bps
Loan Growth (YoY)-1.40%-1.47%-3.57%-10.75%-12.78%-1,138 bps
Share Growth (YoY)-4.94%-2.61%-6.17%2.50%3.16%+810 bps
Asset Quality
Delinquent Loans / Loans0.70%0.00%0.00%0.00%0.00%-70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.23%1.19%1.32%1.54%+20 bps
Capital
Risk-Based Capital14.23%14.55%15.04%14.21%12.75%-148 bps
Net Worth / Assets14.23%14.55%15.04%14.21%12.75%-148 bps
Liquidity & Funding
Loans / Shares50.38%50.26%52.01%45.55%42.60%-778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps