Upper Darby, PA · Charter 7112
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.98% | 3.34% | 1.28% | 0.59% | -2.50% | -548 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 | 5.21% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 95.49% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.50% | 8.16% | 6.52% | -0.49% | -6.87% | -1,637 bps | |
| Loan Growth (YoY) | 5.02% | 5.40% | -6.61% | -8.28% | -27.99% | -3,301 bps | |
| Share Growth (YoY) | 9.54% | 8.22% | 9.40% | 2.32% | 1.63% | -790 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.09% | 7.08% | 16.76% | 13.16% | 11.94% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.43% | 2.29% | 5.02% | 7.81% | 4.96% | -47 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 | 70.69% | 68.18% | 67.79% | 61.57% | 50.08% | -2,061 bps | |
| Liquid Assets / Assets | 9.49% | 9.29% | 34.15% | 6.42% | 6.72% | -277 bps | |