Lansdale, PA · Charter 6457
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.
Lansdale, PA · Charter 6457
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 | 0.66% | -0.54% | 3.43% | 1.96% | 0.68% | +2 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) | -27.50% | -30.02% | -31.16% | -25.73% | -18.75% | +875 bps | |
| Loan Growth (YoY) | -21.08% | -24.76% | -24.96% | -38.70% | -47.28% | -2,620 bps | |
| Share Growth (YoY) | -29.18% | -30.22% | -31.51% | -25.16% | -16.86% | +1,232 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.23% | 8.61% | 6.00% | 2.27% | 1.65% | -858 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.34% | 4.78% | 5.26% | 3.34% | 4.74% | +139 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 | 80.22% | 81.27% | 73.55% | 64.75% | 50.87% | -2,935 bps | |
| Liquid Assets / Assets | 18.04% | 15.83% | 11.97% | 38.32% | 51.66% | +3,362 bps | |