Pittsburgh, PA · Charter 8960
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Pittsburgh, PA · Charter 8960
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.25% | -1.49% | -1.45% | -0.45% | -0.38% | +87 bps | |
| Return on Equity | -23.15% | -30.77% | -29.65% | -10.56% | -8.49% | +1,466 bps | |
| Net Interest Margin | 3.04% | 3.08% | 3.23% | 3.17% | 3.27% | +24 bps | |
| Efficiency Ratio | 132.22% | 138.00% | 127.80% | 94.71% | 100.50% | -3,172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.99% | 0.37% | -2.70% | 3.14% | -3.80% | -479 bps | |
| Loan Growth (YoY) | -10.62% | -10.20% | -14.70% | -15.29% | -9.55% | +107 bps | |
| Share Growth (YoY) | 2.86% | 2.06% | -1.37% | 4.86% | -2.95% | -581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.48% | 1.98% | 1.00% | 0.82% | 0.57% | -191 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 0.79% | 0.34% | 0.81% | 0.80% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.39% | 4.86% | 4.88% | 4.28% | 4.45% | -94 bps | |
| Net Worth / Assets | 5.39% | 4.86% | 4.88% | 4.28% | 4.45% | -94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.65% | 44.90% | 46.60% | 40.20% | 43.48% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |