Pittsburgh, PA · Charter 64934
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Pittsburgh, PA · Charter 64934
Q4 1996
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.68% | 5.07% | 4.82% | 4.91% | 4.43% | -25 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) | n/a | n/a | n/a | 19.38% | 26.52% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 23.53% | 10.84% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 19.01% | 27.58% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 1.14% | 0.82% | 0.77% | 0.28% | -82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.32% | 1.92% | 1.93% | 2.24% | +61 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 | 86.35% | 95.15% | 86.99% | 77.23% | 75.02% | -1,133 bps | |
| Liquid Assets / Assets | 19.42% | 14.39% | 23.16% | 31.27% | 29.03% | +961 bps | |