Allentown, PA · Charter 8748
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.58% | -5.56% | -4.51% | -1.37% | -0.68% | +690 bps | |
| Return on Equity | -22.72% | -16.63% | -13.45% | -4.12% | -2.06% | +2,066 bps | |
| Net Interest Margin | 3.58% | 3.47% | 3.44% | 1.82% | 0.91% | -267 bps | |
| Efficiency Ratio | 150.68% | 148.14% | 145.30% | 175.11% | 175.11% | +2,443 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.37% | -7.09% | -3.88% | -6.29% | -3.07% | +530 bps | |
| Loan Growth (YoY) | -11.58% | -17.64% | -54.19% | -58.41% | -54.69% | -4,311 bps | |
| Share Growth (YoY) | -6.31% | -4.22% | 1.22% | -2.55% | -2.33% | +398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 50.74% | 40.62% | 34.02% | 36.76% | 36.76% | -1,398 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 28.58% | 32.44% | 40.39% | 45.35% | 45.35% | +1,676 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.37% | 33.41% | 33.55% | 33.25% | 33.25% | -12 bps | |
| Net Worth / Assets | 33.37% | 33.41% | 33.55% | 33.25% | 33.25% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.31% | 37.54% | 22.00% | 19.63% | 19.63% | -2,268 bps | |
| Liquid Assets / Assets | 78.98% | 82.11% | 90.25% | 91.99% | 91.99% | +1,300 bps | |