Bala-Cynwyd, PA · Charter 63810
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Bala-Cynwyd, PA · Charter 63810
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 | 4.37% | 3.73% | 2.30% | 2.85% | 0.12% | -425 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) | -14.06% | -16.30% | -14.81% | -24.43% | -33.43% | -1,937 bps | |
| Loan Growth (YoY) | -15.28% | -15.26% | -11.57% | -24.73% | -30.11% | -1,483 bps | |
| Share Growth (YoY) | -22.85% | -26.04% | -22.97% | -34.40% | -44.35% | -2,151 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 2.67% | 1.24% | 4.88% | 16.31% | +1,506 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 0.94% | 1.49% | 2.95% | 2.22% | +96 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 | 86.44% | 87.41% | 92.83% | 98.08% | 108.57% | +2,213 bps | |
| Liquid Assets / Assets | 33.73% | 32.89% | 34.41% | 34.98% | 31.89% | -184 bps | |