York, PA · Charter 65382
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
York, PA · Charter 65382
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.55% | 3.83% | 3.68% | 3.90% | 3.35% | -20 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) | -6.50% | -3.65% | -10.64% | -9.21% | -5.29% | +120 bps | |
| Loan Growth (YoY) | -16.42% | -12.29% | -4.58% | -1.43% | -3.66% | +1,277 bps | |
| Share Growth (YoY) | -7.92% | -8.06% | -14.08% | -12.99% | -6.40% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 1.02% | 0.55% | 0.97% | 0.54% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.23% | 4.54% | 4.44% | 4.43% | 4.57% | +34 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 | 47.28% | 49.18% | 48.72% | 53.74% | 48.67% | +139 bps | |
| Liquid Assets / Assets | 46.98% | 47.23% | 48.65% | 48.83% | 46.71% | -26 bps | |