Williamsport, PA · Charter 11456
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
Williamsport, PA · Charter 11456
NCUA · 1 branch
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.02% | -0.14% | -4.98% | -3.36% | -2.45% | -0.90% | -0.55% | +443 bps | |
| Return on Equity | -1.84% | -0.25% | -2.22% | -114.45% | -76.77% | -57.57% | -23.44% | -13.83% | +10,062 bps | |
| Net Interest Margin | 2.63% | 2.64% | 2.47% | 2.54% | 2.59% | 2.54% | 2.35% | 2.43% | -11 bps | |
| Efficiency Ratio | 101.02% | 98.64% | 104.30% | 98.19% | 99.11% | 99.32% | 106.32% | 107.34% | +916 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | -0.41% | 1.32% | -0.85% | -0.65% | 2.82% | 2.23% | 2.14% | +299 bps | |
| Loan Growth (YoY) | -5.25% | -5.16% | -5.18% | -7.76% | -7.50% | -6.30% | -9.66% | -5.50% | +225 bps | |
| Share Growth (YoY) | -0.15% | -0.57% | 1.25% | 1.68% | 1.94% | 5.73% | 5.15% | 2.39% | +71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.58% | 6.28% | 8.48% | 10.12% | 6.40% | 7.33% | 7.39% | 4.67% | -545 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 | 0.29% | 0.31% | 0.22% | 4.86% | 3.92% | 3.88% | 4.06% | 3.72% | -113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.78% | 6.89% | 6.51% | 4.35% | 4.38% | 4.25% | 3.84% | 3.98% | -37 bps | |
| Net Worth / Assets | 6.78% | 6.89% | 6.51% | 4.35% | 4.38% | 4.25% | 3.84% | 3.98% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.77% | 40.97% | 38.27% | 37.39% | 37.90% | 36.31% | 32.88% | 34.51% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |