Jeannette, PA · Charter 10851
NCUA · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Jeannette, PA · Charter 10851
NCUA · 2 branches
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.26% | 0.02% | -0.70% | -0.40% | -81 bps | |
| Return on Equity | 9.59% | 5.62% | 0.35% | -15.85% | -9.37% | -1,897 bps | |
| Net Interest Margin | 4.39% | 4.78% | 4.96% | 4.89% | 4.87% | +48 bps | |
| Efficiency Ratio | 91.12% | 94.90% | 99.09% | 111.93% | 106.89% | +1,577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.26% | -5.79% | -8.72% | -11.33% | -7.96% | -822 bps | |
| Loan Growth (YoY) | 5.90% | 8.62% | 3.57% | 6.80% | 7.46% | +156 bps | |
| Share Growth (YoY) | -0.01% | -6.13% | -9.36% | -11.64% | -7.87% | -786 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.49% | 0.78% | 0.64% | 6.53% | +617 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.78% | 1.61% | 1.61% | 1.06% | -91 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.28% | 4.56% | 4.57% | 4.39% | 4.28% | -1 bps | |
| Net Worth / Assets | 4.28% | 4.56% | 4.57% | 4.39% | 4.28% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.05% | 68.09% | 68.81% | 69.77% | 70.05% | +1,000 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |