PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

York Tracktown Employees

York, PA · Charter 65382

Q2 1999

$23.7MAssets
$10.0MLoans
$20.6MShares
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 3.35%, down 20 bps year over year.
  • Asset quality: problem loans at 0.54% of loans (-36 bps YoY).
  • Funding: loans stand at 48.67% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.35%-20 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.55%3.83%3.68%3.90%3.35%-20 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)-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 / Loans0.90%1.02%0.55%0.97%0.54%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.23%4.54%4.44%4.43%4.57%+34 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 / Shares47.28%49.18%48.72%53.74%48.67%+139 bps
Liquid Assets / Assets46.98%47.23%48.65%48.83%46.71%-26 bps