Pittsburgh, PA · Charter 1101
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.06% | 0.12% | 0.15% | -0.01% | 0.25% | 0.32% | 0.26% | +11 bps | |
| Return on Equity | 5.83% | 0.68% | 1.36% | 1.65% | -0.11% | 2.48% | 3.12% | 2.45% | +80 bps | |
| Net Interest Margin | 2.49% | 1.86% | 1.77% | 1.71% | 1.65% | 1.65% | 1.70% | 1.82% | +11 bps | |
| Efficiency Ratio | 75.48% | 92.87% | 89.34% | 90.87% | 97.92% | 90.77% | 87.10% | 84.66% | -621 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.12% | 11.99% | 12.87% | 10.43% | 3.87% | -4.66% | -13.48% | -14.65% | -2,508 bps | |
| Loan Growth (YoY) | -25.24% | -28.95% | -25.25% | -27.98% | -23.53% | -16.13% | -16.53% | 7.00% | +3,499 bps | |
| Share Growth (YoY) | 13.48% | 11.70% | 11.27% | 10.17% | 5.53% | -1.10% | -7.06% | -7.04% | -1,721 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.29% | 2.98% | 2.80% | 5.02% | 0.65% | 2.41% | 1.13% | -167 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 | 0.79% | 0.72% | 0.58% | 0.79% | 0.87% | 0.67% | 0.56% | 0.86% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.42% | 9.46% | 8.91% | 9.05% | 9.06% | 9.94% | 10.32% | 10.66% | +161 bps | |
| Net Worth / Assets | 9.42% | 9.46% | 8.91% | 9.05% | 9.06% | 9.94% | 10.32% | 10.66% | +161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.86% | 19.72% | 18.37% | 16.45% | 15.84% | 16.72% | 16.50% | 18.94% | +249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |