PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oliver Tyrone Employees

Pittsburgh, PA · Charter 9815

Q2 1997

$294KAssets
$223KLoans
$275KShares
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 0.10%, down 187 bps year over year.
  • Asset quality: problem loans at 9.93% of loans (+549 bps YoY).
  • Funding: loans stand at 80.89% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

0.10%-187 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets1.98%2.53%-2.13%-2.77%0.10%-187 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/an/a-27.03%-28.75%-33.73%n/a
Loan Growth (YoY)n/an/a-13.17%-3.23%-22.52%n/a
Share Growth (YoY)n/an/a-24.85%-25.12%-31.01%n/a
Asset Quality
Delinquent Loans / Loans4.44%11.37%8.97%8.97%9.93%+549 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.68%1.96%4.32%5.99%6.26%+258 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 / Shares72.03%98.42%83.38%98.66%80.89%+885 bps
Liquid Assets / Assets33.61%12.15%21.00%7.71%24.39%-922 bps