PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

White Rose Postal Emp

York, PA · Charter 6535

Q2 1997

$9.9MAssets
$7.0MLoans
$8.5MShares
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 4.02%, down 32 bps year over year.
  • Asset quality: problem loans at 0.54% of loans (+46 bps YoY).
  • Funding: loans stand at 82.24% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.02%-32 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.34%4.56%4.59%4.73%4.02%-32 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/a1.61%5.87%10.52%n/a
Loan Growth (YoY)n/an/a26.92%26.41%19.02%n/a
Share Growth (YoY)n/an/a-0.85%3.90%9.69%n/a
Asset Quality
Delinquent Loans / Loans0.08%0.07%0.07%0.04%0.54%+46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.33%0.25%0.35%0.27%0.29%-4 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 / Shares75.79%81.02%85.17%92.39%82.24%+645 bps
Liquid Assets / Assets27.12%22.74%17.20%11.44%20.04%-707 bps