Mechanicsburg, PA · Charter 64749
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.32% | -0.70% | -0.53% | -1.59% | 0.03% | +135 bps | |
| Return on Equity | -17.55% | -9.81% | -5.81% | -20.44% | 0.42% | +1,797 bps | |
| Net Interest Margin | 4.92% | 4.36% | 5.86% | 5.73% | 5.37% | +45 bps | |
| Efficiency Ratio | 115.81% | 109.44% | 104.06% | 106.54% | 99.52% | -1,629 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.61% | -8.07% | -15.53% | -33.35% | -9.41% | -1,901 bps | |
| Loan Growth (YoY) | 26.76% | 0.58% | -15.33% | -21.09% | -27.02% | -5,379 bps | |
| Share Growth (YoY) | 9.64% | -8.08% | -14.85% | -33.63% | -8.50% | -1,814 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.35% | 8.36% | 6.69% | 3.78% | 0.78% | -357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 3.11% | 2.95% | 3.18% | 1.31% | -89 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.52% | 7.14% | 9.17% | 7.79% | 6.91% | -61 bps | |
| Net Worth / Assets | 7.52% | 7.14% | 9.17% | 7.79% | 6.91% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.90% | 53.18% | 66.67% | 62.11% | 51.76% | -1,314 bps | |
| Liquid Assets / Assets | 39.66% | 50.22% | 38.63% | 33.63% | 50.35% | +1,069 bps | |