Erie, PA · Charter 9239
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.
Erie, PA · Charter 9239
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 | -4.83% | 2.66% | 3.49% | 1.50% | -7.02% | -218 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 | 8.67% | -13.84% | -23.70% | -42.03% | n/a | |
| Loan Growth (YoY) | n/a | -5.35% | -20.31% | -21.89% | -21.96% | n/a | |
| Share Growth (YoY) | n/a | -10.89% | -22.05% | -36.23% | -41.04% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.80% | 17.53% | 8.02% | 8.05% | 13.38% | -443 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 17.80% | 17.90% | 6.08% | 7.75% | 16.12% | -168 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 | 111.27% | 107.54% | 112.78% | 133.75% | 147.26% | +3,599 bps | |
| Liquid Assets / Assets | 1.13% | 1.05% | 2.65% | 1.72% | 1.79% | +66 bps | |