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Security

Philadelphia, PA · Charter 63803

Q4 1998

$139KAssets
$129KLoans
$77KShares
n/aNet 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 2.46%, down 22 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 166.84% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

2.46%-22 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.68%1.82%2.54%4.92%2.46%-22 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-18.73%-13.49%-8.93%-11.63%-6.54%+1,219 bps
Loan Growth (YoY)-20.48%-5.98%-3.78%-8.23%-7.26%+1,322 bps
Share Growth (YoY)-26.02%-23.16%-18.78%-31.96%-26.14%-12 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.30%4.69%5.20%6.03%6.03%+173 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares132.87%145.16%148.69%166.84%166.84%+3,397 bps
Liquid Assets / Assets6.69%2.46%3.49%4.68%5.43%-126 bps