PackageTrendsPeer
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Orco Penn

Conneautville, PA · Charter 8838

Q4 1997

$228KAssets
$136KLoans
$225KShares
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 -5.14%, down 456 bps year over year.
  • Asset quality: problem loans at 28.88% of loans (+1,429 bps YoY).
  • Funding: loans stand at 60.70% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

-5.14%-456 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets-0.58%7.26%4.43%-1.67%-5.14%-456 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/a0.19%1.96%-2.24%-19.54%n/a
Loan Growth (YoY)n/a0.85%-7.86%-22.45%-43.89%n/a
Share Growth (YoY)n/a4.47%6.99%7.21%-13.42%n/a
Asset Quality
Delinquent Loans / Loans14.59%14.23%20.82%27.31%28.88%+1,429 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.32%10.08%8.09%12.75%14.42%+510 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 / Shares93.65%94.07%79.49%66.07%60.70%-3,296 bps
Liquid Assets / Assets15.30%15.76%15.47%15.66%19.05%+375 bps