Williamsport, PA · Charter 11456
NCUA · 1 branch
Q2 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.98% | -3.36% | -2.45% | -0.90% | -0.55% | +443 bps | |
| Return on Equity | -114.45% | -76.77% | -57.57% | -23.44% | -13.83% | +10,062 bps | |
| Net Interest Margin | 2.54% | 2.59% | 2.54% | 2.35% | 2.43% | -11 bps | |
| Efficiency Ratio | 98.19% | 99.11% | 99.32% | 106.32% | 107.34% | +916 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.85% | -0.65% | 2.82% | 2.23% | 2.14% | +299 bps | |
| Loan Growth (YoY) | -7.76% | -7.50% | -6.30% | -9.66% | -5.50% | +225 bps | |
| Share Growth (YoY) | 1.68% | 1.94% | 5.73% | 5.15% | 2.39% | +71 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.86% | 3.92% | 3.88% | 4.06% | 3.72% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.35% | 4.38% | 4.25% | 3.84% | 3.98% | -37 bps | |
| Net Worth / Assets | 4.35% | 4.38% | 4.25% | 3.84% | 3.98% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |