Petrolia, PA · Charter 64193
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.47% | 0.74% | 0.17% | 0.66% | 0.32% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | 4.90% | 2.33% | n/a | |
| Net Interest Margin | n/a | 5.06% | 4.74% | 5.63% | 4.48% | n/a | |
| Efficiency Ratio | n/a | 85.80% | 96.40% | 88.44% | 93.51% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.94% | 1.81% | -2.98% | -16.42% | -18.34% | -1,440 bps | |
| Loan Growth (YoY) | -14.64% | -8.17% | -2.41% | -14.55% | -16.33% | -169 bps | |
| Share Growth (YoY) | -5.73% | 0.24% | -9.21% | -19.19% | -21.11% | -1,538 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 2.13% | 0.79% | 0.00% | 0.00% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.80% | 1.62% | 2.46% | 2.81% | +117 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.43% | 13.78% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 13.43% | 13.78% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.93% | 95.32% | 111.10% | 100.47% | 97.50% | +557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.11% | 5.09% | 16.44% | +1,644 bps | |