PackageTrendsPeer
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Assisian

Norristown, PA · Charter 8104

Q2 1997

$125KAssets
$19KLoans
$100KShares
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 7.36%, up 226 bps year over year.
  • Asset quality: problem loans at 100.00% of loans (+2,861 bps YoY).
  • Funding: loans stand at 19.07% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

7.36%+226 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.10%5.10%0.16%-13.83%7.36%+226 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-7.34%-30.28%-19.65%n/a
Loan Growth (YoY)n/an/a-44.10%-77.77%-70.84%n/a
Share Growth (YoY)n/an/a-12.66%-28.39%-15.62%n/a
Asset Quality
Delinquent Loans / Loans71.39%71.39%86.96%0.00%100.00%+2,861 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans34.58%34.58%38.30%81.88%87.55%+5,297 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 / Shares55.20%55.20%44.99%20.26%19.07%-3,613 bps
Liquid Assets / Assets42.10%42.10%44.17%11.16%3.18%-3,891 bps