Tunkhannock, PA · Charter 10846
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.88% | 0.86% | 0.83% | 0.68% | 0.68% | 0.67% | 0.79% | -4 bps | |
| Return on Equity | 8.55% | 8.92% | 8.41% | 8.23% | 6.68% | 6.61% | 6.62% | 7.94% | -29 bps | |
| Net Interest Margin | 2.31% | 2.42% | 2.47% | 2.41% | 2.36% | 2.40% | 2.32% | 2.28% | -12 bps | |
| Efficiency Ratio | 69.30% | 67.66% | 67.82% | 69.18% | 69.61% | 68.41% | 68.10% | 69.44% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | 0.05% | -9.19% | -3.66% | -0.76% | 2.71% | 8.68% | 8.03% | +1,169 bps | |
| Loan Growth (YoY) | 18.85% | 5.84% | 9.02% | 6.98% | 3.17% | 3.78% | -0.86% | -0.26% | -724 bps | |
| Share Growth (YoY) | -0.51% | -0.79% | -11.20% | -4.94% | -1.65% | 2.41% | 9.18% | 8.35% | +1,330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 2.63% | 2.43% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.65% | 0.51% | 0.53% | 0.50% | 0.42% | 0.61% | 0.54% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.32% | 9.89% | 10.26% | 10.07% | 10.15% | 10.32% | 10.12% | 9.98% | -9 bps | |
| Net Worth / Assets | 9.32% | 9.89% | 10.26% | 10.07% | 10.15% | 10.32% | 10.12% | 9.98% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.99% | 59.97% | 62.38% | 58.67% | 59.78% | 60.78% | 56.65% | 54.00% | -466 bps | |
| Liquid Assets / Assets | 99.62% | 0.00% | 0.00% | 98.47% | 0.00% | 0.00% | 0.00% | 0.00% | -9,847 bps | |