Pittsburgh, PA · Charter 9415
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.95% | 0.88% | 0.92% | 0.71% | -40 bps | |
| Return on Equity | 7.85% | 6.49% | 5.68% | 5.58% | 2.64% | -521 bps | |
| Net Interest Margin | 6.01% | 5.57% | 5.68% | 5.67% | 6.42% | +41 bps | |
| Efficiency Ratio | 68.57% | 71.58% | 73.74% | 73.89% | 86.72% | +1,815 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.02% | -17.45% | -12.59% | -14.81% | -44.76% | -3,774 bps | |
| Loan Growth (YoY) | -13.04% | -17.12% | -23.23% | -24.90% | -32.44% | -1,940 bps | |
| Share Growth (YoY) | -9.40% | -19.78% | -15.53% | -17.18% | -51.57% | -4,218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.25% | 18.44% | 22.87% | 20.69% | 19.12% | +788 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.47% | 5.96% | 7.01% | 7.76% | 9.04% | +357 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.16% | 14.63% | 15.45% | 16.43% | 26.80% | +1,264 bps | |
| Net Worth / Assets | 14.16% | 14.63% | 15.45% | 16.43% | 26.80% | +1,264 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.57% | 78.12% | 71.58% | 70.06% | 112.40% | +3,182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |