Erie, PA · Charter 65475
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Erie, PA · Charter 65475
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.51% | 4.41% | -1.96% | -1.74% | 0.58% | -393 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 11.75% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.70% | 3.78% | 4.49% | n/a | |
| Efficiency Ratio | n/a | n/a | 82.60% | 92.99% | 66.41% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.55% | 8.79% | 1.34% | -6.17% | -10.14% | -1,869 bps | |
| Loan Growth (YoY) | -6.92% | -9.33% | -0.05% | -0.91% | -8.12% | -119 bps | |
| Share Growth (YoY) | 7.53% | 7.93% | 0.10% | -1.09% | -7.30% | -1,483 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 1.69% | 0.26% | 3.77% | 3.80% | +364 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 1.09% | 3.76% | 5.34% | 4.53% | +366 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.92% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.92% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.07% | 66.40% | 78.25% | 73.89% | 73.42% | -65 bps | |
| Liquid Assets / Assets | 22.82% | 24.21% | 13.13% | 18.74% | 19.59% | -322 bps | |