Norristown, PA · Charter 8104
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Norristown, PA · Charter 8104
Q2 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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.10% | 5.10% | 0.16% | -13.83% | 7.36% | +226 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 | n/a | -7.34% | -30.28% | -19.65% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -44.10% | -77.77% | -70.84% | n/a | |
| Share Growth (YoY) | n/a | n/a | -12.66% | -28.39% | -15.62% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 71.39% | 71.39% | 86.96% | 0.00% | 100.00% | +2,861 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 34.58% | 34.58% | 38.30% | 81.88% | 87.55% | +5,297 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 | 55.20% | 55.20% | 44.99% | 20.26% | 19.07% | -3,613 bps | |
| Liquid Assets / Assets | 42.10% | 42.10% | 44.17% | 11.16% | 3.18% | -3,891 bps | |