PackageTrendsPeer
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Wolfe Baron State

Havertown, PA · Charter 65048

Q2 1997

$908KAssets
$874KLoans
$768KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 11.01%, up 755 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-579 bps YoY).
  • Funding: loans stand at 113.73% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

11.01%+755 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.45%3.49%6.89%3.49%11.01%+755 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-13.01%-10.22%-21.50%n/a
Loan Growth (YoY)n/an/a-7.63%-5.87%-3.36%n/a
Share Growth (YoY)n/an/a-14.53%-9.27%-26.59%n/a
Asset Quality
Delinquent Loans / Loans5.79%7.03%6.91%7.03%0.00%-579 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.86%1.98%1.94%1.98%1.37%-49 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares86.39%86.27%88.51%86.27%113.73%+2,734 bps
Liquid Assets / Assets19.30%20.18%20.99%20.18%3.30%-1,600 bps