Erie, PA · Charter 7302
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 1.00% | 1.36% | 1.02% | 0.40% | -14 bps | |
| Return on Equity | 3.52% | 6.34% | 7.89% | 5.73% | 2.25% | -127 bps | |
| Net Interest Margin | 5.37% | 5.42% | 5.70% | 5.92% | 5.35% | -2 bps | |
| Efficiency Ratio | 66.39% | 60.02% | 61.82% | 65.14% | 74.48% | +809 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.71% | -3.84% | -11.06% | -9.81% | -9.34% | -263 bps | |
| Loan Growth (YoY) | -11.04% | -9.92% | -2.72% | 1.87% | -2.75% | +830 bps | |
| Share Growth (YoY) | -8.13% | -5.55% | -14.23% | -12.78% | -12.09% | -396 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.42% | 10.29% | 6.66% | 6.69% | 6.52% | -291 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 2.24% | 2.00% | 2.56% | 1.52% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.27% | 15.71% | 17.18% | 17.85% | 17.81% | +254 bps | |
| Net Worth / Assets | 15.27% | 15.71% | 17.18% | 17.85% | 17.81% | +254 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.74% | 92.51% | 107.06% | 107.91% | 99.28% | +954 bps | |
| Liquid Assets / Assets | 21.35% | 19.83% | 10.42% | 10.68% | 16.65% | -470 bps | |