York, PA · Charter 11572
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
York, PA · Charter 11572
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.50% | -1.20% | -1.21% | -0.78% | 40.13% | +4,164 bps | |
| Return on Equity | -20.31% | -16.52% | -16.03% | -9.21% | 229% | +24,961 bps | |
| Net Interest Margin | 4.16% | 4.19% | 4.43% | 4.67% | 3.85% | -30 bps | |
| Efficiency Ratio | 117.46% | 117.47% | 119.02% | 110.37% | 9.48% | -10,798 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.31% | -5.67% | -10.83% | -12.32% | -4.81% | +250 bps | |
| Loan Growth (YoY) | -6.88% | -5.59% | -10.04% | -9.83% | -14.01% | -714 bps | |
| Share Growth (YoY) | -6.49% | -3.08% | -4.82% | -13.05% | -15.67% | -919 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.88% | 5.75% | 7.25% | 8.42% | 9.05% | +517 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.54% | 1.19% | 1.26% | 2.45% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.39% | 7.25% | 7.52% | 8.42% | 17.50% | +1,011 bps | |
| Net Worth / Assets | 7.39% | 7.25% | 7.52% | 8.42% | 17.50% | +1,011 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.89% | 54.88% | 57.25% | 63.26% | 56.99% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |