Bryn Mawr, PA · Charter 63134
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Bryn Mawr, PA · Charter 63134
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.94% | 3.93% | -0.91% | 1.94% | 2.97% | -97 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) | -6.27% | -16.41% | -25.02% | -32.73% | -34.15% | -2,787 bps | |
| Loan Growth (YoY) | -17.07% | -15.73% | -19.16% | -25.44% | -36.51% | -1,943 bps | |
| Share Growth (YoY) | -9.89% | -22.01% | -30.10% | -41.73% | -42.68% | -3,280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 4.81% | 0.73% | 1.05% | 0.82% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.48% | 5.47% | 6.92% | 8.84% | 10.97% | +649 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 | 50.56% | 61.98% | 58.38% | 69.61% | 56.01% | +545 bps | |
| Liquid Assets / Assets | 47.74% | 44.24% | 43.47% | 43.84% | 26.62% | -2,112 bps | |