Spring House, PA · Charter 65374
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Spring House, PA · Charter 65374
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.14% | 0.87% | 0.61% | 0.25% | -86 bps | |
| Return on Equity | n/a | 11.24% | 8.79% | 5.86% | 2.55% | n/a | |
| Net Interest Margin | 4.08% | 4.23% | 3.52% | 3.35% | 2.97% | -111 bps | |
| Efficiency Ratio | 71.07% | 71.33% | 73.73% | 80.79% | 88.85% | +1,778 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.82% | 4.58% | 2.56% | 0.81% | 4.41% | -341 bps | |
| Loan Growth (YoY) | -6.67% | -1.44% | -5.20% | -17.12% | -21.47% | -1,481 bps | |
| Share Growth (YoY) | 6.19% | 2.33% | 0.41% | -1.71% | 3.57% | -262 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.48% | 0.59% | 1.51% | 0.76% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.53% | 1.79% | 1.92% | 2.12% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 10.10% | 9.94% | 10.47% | 9.94% | n/a | |
| Net Worth / Assets | n/a | 10.10% | 9.94% | 10.47% | 9.94% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.78% | 58.30% | 49.21% | 45.00% | 39.26% | -1,252 bps | |
| Liquid Assets / Assets | 22.06% | 25.26% | 22.02% | 31.01% | 29.43% | +737 bps | |