Tunkhannock, PA · Charter 10846
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tunkhannock, PA · Charter 10846
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.68% | 0.68% | 0.67% | 0.79% | -4 bps | |
| Return on Equity | 8.23% | 6.68% | 6.61% | 6.62% | 7.94% | -29 bps | |
| Net Interest Margin | 2.41% | 2.36% | 2.40% | 2.32% | 2.28% | -12 bps | |
| Efficiency Ratio | 69.18% | 69.61% | 68.41% | 68.10% | 69.44% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.66% | -0.76% | 2.71% | 8.68% | 8.03% | +1,169 bps | |
| Loan Growth (YoY) | 6.98% | 3.17% | 3.78% | -0.86% | -0.26% | -724 bps | |
| Share Growth (YoY) | -4.94% | -1.65% | 2.41% | 9.18% | 8.35% | +1,330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.94% | 4.18% | 5.25% | 1.40% | 1.54% | -141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.50% | 0.42% | 0.61% | 0.54% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.07% | 10.15% | 10.32% | 10.12% | 9.98% | -9 bps | |
| Net Worth / Assets | 10.07% | 10.15% | 10.32% | 10.12% | 9.98% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.67% | 59.78% | 60.78% | 56.65% | 54.00% | -466 bps | |
| Liquid Assets / Assets | 98.47% | 0.00% | 0.00% | 0.00% | 0.00% | -9,847 bps | |