York, PA · Charter 10062
NCUA · 1 branch
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.65% | 0.88% | 1.42% | 1.15% | 1.30% | 1.16% | 0.70% | -72 bps | |
| Return on Equity | 6.48% | 8.64% | 11.05% | 17.09% | 15.19% | 15.91% | 13.89% | 8.57% | -852 bps | |
| Net Interest Margin | 3.89% | 3.82% | 4.03% | 4.62% | 4.06% | 4.24% | 4.24% | 3.94% | -68 bps | |
| Efficiency Ratio | 90.06% | 88.10% | 86.09% | 80.26% | 82.01% | 79.78% | 82.05% | 83.80% | +354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | 5.64% | 4.95% | 3.95% | 18.13% | 10.60% | 10.99% | 15.15% | +1,120 bps | |
| Loan Growth (YoY) | 12.93% | 20.12% | 34.16% | 43.11% | 39.34% | 37.13% | 26.27% | 10.40% | -3,271 bps | |
| Share Growth (YoY) | -1.35% | 3.38% | 4.37% | 2.42% | 19.78% | 12.43% | 12.40% | 16.47% | +1,405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 1.37% | 1.17% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.41% | 1.25% | 1.19% | 1.04% | 0.99% | 0.99% | 1.12% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 7.57% | 8.00% | 8.32% | 7.60% | 8.17% | 8.37% | 8.21% | -11 bps | |
| Net Worth / Assets | 7.62% | 7.57% | 8.00% | 8.32% | 7.60% | 8.17% | 8.37% | 8.21% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.73% | 77.57% | 84.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |