York, PA · Charter 63942
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.41% | -2.88% | -0.45% | -0.95% | -137 bps | |
| Return on Equity | 3.56% | 3.43% | -27.36% | -4.45% | -8.84% | -1,240 bps | |
| Net Interest Margin | 6.57% | 6.49% | 5.32% | 4.92% | 5.32% | -125 bps | |
| Efficiency Ratio | 93.83% | 94.11% | 110.64% | 83.98% | 97.66% | +383 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.71% | -3.35% | 0.64% | 0.73% | 3.91% | +762 bps | |
| Loan Growth (YoY) | -8.94% | -10.58% | -4.43% | -4.85% | -1.18% | +776 bps | |
| Share Growth (YoY) | -4.80% | -4.22% | 1.10% | 0.87% | 5.05% | +985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.11% | 0.31% | 0.32% | 0.60% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.22% | 1.12% | 1.22% | 1.22% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.79% | 12.01% | 10.52% | 10.17% | 10.73% | -107 bps | |
| Net Worth / Assets | 11.79% | 12.01% | 10.52% | 10.17% | 10.73% | -107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.46% | 66.49% | 62.90% | 56.32% | 64.40% | -406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |