State College, PA · Charter 915
Q1 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.10% | 0.09% | 0.10% | 0.12% | +2 bps | |
| Return on Equity | 0.23% | 0.22% | 0.19% | 0.23% | 0.28% | +5 bps | |
| Net Interest Margin | 4.07% | 4.07% | 4.07% | 3.99% | 3.90% | -17 bps | |
| Efficiency Ratio | 97.41% | 97.64% | 97.89% | 97.51% | 96.83% | -58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.28% | 2.70% | 3.81% | 3.71% | 4.53% | +224 bps | |
| Loan Growth (YoY) | 50.48% | -6.29% | -6.40% | 7.09% | -2.30% | -5,278 bps | |
| Share Growth (YoY) | 3.24% | 6.00% | 6.88% | 6.86% | 9.34% | +611 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.83% | 3.06% | 2.74% | 2.43% | 2.61% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.21% | 1.09% | 1.07% | 1.15% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 46.35% | 45.40% | 45.37% | 44.98% | 44.45% | -190 bps | |
| Net Worth / Assets | 46.35% | 45.40% | 45.37% | 44.98% | 44.45% | -190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 128.17% | 113.39% | 126.59% | 126.28% | 114.53% | -1,364 bps | |
| Liquid Assets / Assets | 31.22% | 37.52% | 30.50% | 30.21% | 35.78% | +456 bps | |