Greensburg, PA · Charter 10658
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.93% | -0.87% | -0.92% | -0.88% | -9 bps | |
| Return on Equity | -5.93% | -7.31% | -7.40% | -7.59% | -7.10% | -117 bps | |
| Net Interest Margin | 1.83% | 1.61% | 1.51% | 1.52% | 1.64% | -19 bps | |
| Efficiency Ratio | 140.29% | 154.92% | 154.89% | 156.91% | 150.69% | +1,040 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.33% | 0.53% | 5.37% | 1.84% | 0.08% | -326 bps | |
| Loan Growth (YoY) | 17.99% | 15.75% | 0.74% | 2.16% | -2.85% | -2,085 bps | |
| Share Growth (YoY) | 4.91% | 1.57% | 7.26% | 3.15% | 1.09% | -382 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.16% | 2.54% | 4.09% | 3.45% | 3.65% | +149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.63% | 0.62% | 0.64% | 0.53% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.31% | 12.66% | 11.76% | 12.07% | 12.41% | -89 bps | |
| Net Worth / Assets | 13.31% | 12.66% | 11.76% | 12.07% | 12.41% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.92% | 29.73% | 26.87% | 28.99% | 29.72% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |