Pittsburgh, PA · Charter 7400
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.76% | 3.57% | 2.63% | -6.60% | -2.35% | -611 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -2.03% | -2.28% | -8.25% | -8.61% | n/a | |
| Loan Growth (YoY) | n/a | 31.97% | -5.94% | -22.48% | -36.88% | n/a | |
| Share Growth (YoY) | n/a | -6.16% | -4.75% | -5.86% | -3.97% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.60% | 11.68% | 13.50% | 7.81% | 3.97% | -63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.04% | 3.35% | 3.01% | 9.49% | 8.61% | +557 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 | 93.40% | 88.71% | 75.21% | 66.55% | 61.39% | -3,202 bps | |
| Liquid Assets / Assets | 20.28% | 20.87% | 26.70% | 28.98% | 44.61% | +2,433 bps | |