Arnold, PA · Charter 840
Q4 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.05% | 0.04% | 0.05% | 0.05% | +1 bps | |
| Return on Equity | 0.21% | 0.36% | 0.22% | 0.29% | 0.25% | +4 bps | |
| Net Interest Margin | 2.10% | 1.94% | 2.19% | 2.22% | 2.33% | +23 bps | |
| Efficiency Ratio | 93.95% | 97.21% | 98.29% | 97.73% | 97.98% | +403 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.73% | -15.22% | -20.44% | -16.46% | -19.60% | -488 bps | |
| Loan Growth (YoY) | -13.48% | 19.18% | 51.81% | 33.42% | 18.76% | +3,224 bps | |
| Share Growth (YoY) | -16.93% | -17.46% | -23.63% | -19.30% | -23.14% | -621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.98% | 0.65% | 0.50% | 0.42% | 0.37% | -161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.01% | 0.89% | 0.90% | 0.97% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.12% | 15.14% | 16.89% | 17.42% | 18.85% | +373 bps | |
| Net Worth / Assets | 15.12% | 15.14% | 16.89% | 17.42% | 18.85% | +373 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.55% | 49.81% | 64.33% | 66.02% | 67.29% | +2,374 bps | |
| Liquid Assets / Assets | 60.26% | 55.20% | 43.81% | 42.98% | 42.66% | -1,761 bps | |