Havertown, PA · Charter 65048
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Havertown, PA · Charter 65048
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.45% | 3.49% | 6.89% | 3.49% | 11.01% | +755 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 | -13.01% | -10.22% | -21.50% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -7.63% | -5.87% | -3.36% | n/a | |
| Share Growth (YoY) | n/a | n/a | -14.53% | -9.27% | -26.59% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.79% | 7.03% | 6.91% | 7.03% | 0.00% | -579 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.86% | 1.98% | 1.94% | 1.98% | 1.37% | -49 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 | 86.39% | 86.27% | 88.51% | 86.27% | 113.73% | +2,734 bps | |
| Liquid Assets / Assets | 19.30% | 20.18% | 20.99% | 20.18% | 3.30% | -1,600 bps | |