Hbg, PA · Charter 64784
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.05% | 0.76% | 1.36% | 1.15% | -34.71% | -3,676 bps | |
| Return on Equity | 12.02% | 4.59% | 7.74% | 6.48% | -392% | -40,411 bps | |
| Net Interest Margin | 4.21% | 3.26% | 3.61% | 3.31% | -31.08% | -3,530 bps | |
| Efficiency Ratio | 51.70% | 76.77% | 62.38% | 65.39% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.85% | -0.03% | 0.42% | 1.96% | 1.00% | +14 bps | |
| Loan Growth (YoY) | -7.73% | 5.91% | 3.26% | 1.40% | -1.56% | +617 bps | |
| Share Growth (YoY) | -0.38% | -1.33% | -0.73% | 0.96% | 10.92% | +1,130 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.71% | 0.81% | 0.73% | 1.72% | 1.65% | -106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 0.97% | 0.94% | 0.91% | 1.02% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.07% | 16.65% | 17.63% | 17.76% | 8.85% | -822 bps | |
| Net Worth / Assets | 17.07% | 16.65% | 17.63% | 17.76% | 8.85% | -822 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.89% | 52.44% | 55.76% | 54.48% | 43.39% | -550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |