PackageTrendsPeer
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Kaiser Erie

Erie, PA · Charter 7757

Q2 2000

$2.4MAssets
$1.3MLoans
$2.1MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.77%, down 219 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 2.70% of loans (-232 bps YoY).
  • Funding: loans stand at 63.79% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.77%-219 bps YoY

Net Interest Margin (quarter, annualized)

4.57%

Efficiency Ratio (quarter, annualized)

85.01%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.96%2.72%2.32%-0.29%0.77%-219 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.28%4.57%n/a
Efficiency Ration/an/an/a103.90%85.01%n/a
Growth
Asset Growth (YoY)-17.95%-5.83%-17.49%-18.91%-12.34%+561 bps
Loan Growth (YoY)-26.06%-15.49%-6.31%8.83%22.02%+4,808 bps
Share Growth (YoY)-19.87%-7.09%-19.31%-21.08%-13.71%+615 bps
Asset Quality
Delinquent Loans / Loans5.02%12.82%3.12%3.32%2.70%-232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.48%2.70%2.17%2.62%2.10%-139 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares45.11%47.48%49.43%55.93%63.79%+1,868 bps
Liquid Assets / Assets35.92%50.40%46.99%30.37%31.19%-473 bps