Conneautville, PA · Charter 8838
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 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.
Conneautville, PA · Charter 8838
Q4 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.58% | 7.26% | 4.43% | -1.67% | -5.14% | -456 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 | 0.19% | 1.96% | -2.24% | -19.54% | n/a | |
| Loan Growth (YoY) | n/a | 0.85% | -7.86% | -22.45% | -43.89% | n/a | |
| Share Growth (YoY) | n/a | 4.47% | 6.99% | 7.21% | -13.42% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.59% | 14.23% | 20.82% | 27.31% | 28.88% | +1,429 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.32% | 10.08% | 8.09% | 12.75% | 14.42% | +510 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 | 93.65% | 94.07% | 79.49% | 66.07% | 60.70% | -3,296 bps | |
| Liquid Assets / Assets | 15.30% | 15.76% | 15.47% | 15.66% | 19.05% | +375 bps | |