York, PA · Charter 10062
NCUA · 1 branch
Q1 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 1.15% | 1.30% | 1.16% | 0.70% | -72 bps | |
| Return on Equity | 17.09% | 15.19% | 15.91% | 13.89% | 8.57% | -852 bps | |
| Net Interest Margin | 4.62% | 4.06% | 4.24% | 4.24% | 3.94% | -68 bps | |
| Efficiency Ratio | 80.26% | 82.01% | 79.78% | 82.05% | 83.80% | +354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.95% | 18.13% | 10.60% | 10.99% | 15.15% | +1,120 bps | |
| Loan Growth (YoY) | 43.11% | 39.34% | 37.13% | 26.27% | 10.40% | -3,271 bps | |
| Share Growth (YoY) | 2.42% | 19.78% | 12.43% | 12.40% | 16.47% | +1,405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.34% | 2.93% | 2.86% | 1.26% | +126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.04% | 0.99% | 0.99% | 1.12% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.32% | 7.60% | 8.17% | 8.37% | 8.21% | -11 bps | |
| Net Worth / Assets | 8.32% | 7.60% | 8.17% | 8.37% | 8.21% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.50% | 88.09% | 94.60% | 95.02% | 82.94% | -456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |