McKeesport, PA · Charter 10427
NCUA · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.21% | -0.46% | -1.39% | -1.11% | -1.11% | -0.84% | -0.96% | +42 bps | |
| Return on Equity | -4.44% | -2.54% | -6.19% | -19.60% | -16.13% | -16.84% | -12.57% | -14.59% | +501 bps | |
| Net Interest Margin | 0.50% | 1.83% | 1.59% | 1.62% | 1.76% | 1.78% | 1.90% | 1.98% | +36 bps | |
| Efficiency Ratio | 167.89% | 110.33% | 126.76% | 154.39% | 159.05% | 159.09% | 142.05% | 146.38% | -801 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.04% | -4.81% | 4.52% | -6.67% | 7.71% | -3.84% | -10.87% | -6.33% | +34 bps | |
| Loan Growth (YoY) | -26.92% | -23.87% | -19.30% | -15.57% | -13.76% | -8.99% | -2.95% | 1.69% | +1,727 bps | |
| Share Growth (YoY) | -3.08% | -4.12% | 6.08% | -5.21% | -4.31% | -2.21% | -10.26% | -5.97% | -76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.87% | 4.74% | 7.28% | 5.84% | 2.78% | 4.08% | 2.19% | 2.08% | -376 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 | 1.01% | 1.07% | 1.38% | 5.83% | 1.50% | 3.53% | 5.60% | 5.43% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.13% | 8.10% | 7.44% | 7.07% | 6.91% | 6.58% | 6.67% | 6.59% | -48 bps | |
| Net Worth / Assets | 9.13% | 8.10% | 7.44% | 7.07% | 6.91% | 6.58% | 6.67% | 6.59% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.20% | 11.01% | 9.91% | 10.59% | 10.09% | 10.25% | 10.71% | 11.45% | +86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |