Camp Hill, PA · Charter 66141
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.40% | 0.47% | 0.74% | 0.60% | -9 bps | |
| Return on Equity | 8.31% | 5.08% | 6.45% | 8.93% | 6.80% | -151 bps | |
| Net Interest Margin | 4.76% | 4.69% | 4.45% | 5.10% | 5.22% | +46 bps | |
| Efficiency Ratio | 80.02% | 82.74% | 79.73% | 77.76% | 81.52% | +151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 2.50% | 11.46% | 9.67% | 1.43% | -471 bps | |
| Loan Growth (YoY) | -14.43% | -19.00% | -14.01% | -20.05% | -18.26% | -383 bps | |
| Share Growth (YoY) | 6.16% | 2.20% | 11.80% | 9.83% | 0.88% | -528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.94% | 3.05% | 2.97% | 2.31% | 2.19% | -275 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 2.48% | 2.34% | 2.59% | 3.18% | +81 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.32% | 7.91% | 7.23% | 8.31% | 8.80% | +48 bps | |
| Net Worth / Assets | 8.32% | 7.91% | 7.23% | 8.31% | 8.80% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.73% | 27.60% | 25.16% | 24.88% | 25.71% | -602 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |