Wyomissing, PA · Charter 12020
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.35% | -2.85% | -2.99% | -1.43% | -195 bps | |
| Return on Equity | 7.14% | 4.97% | -46.56% | -53.18% | -22.59% | -2,973 bps | |
| Net Interest Margin | 4.34% | 4.20% | 3.79% | 3.88% | 3.98% | -36 bps | |
| Efficiency Ratio | 87.72% | 90.07% | 85.16% | 87.76% | 86.12% | -160 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.42% | -2.68% | -1.92% | -3.03% | 0.09% | +451 bps | |
| Loan Growth (YoY) | -0.83% | -0.76% | 0.35% | 2.33% | -10.26% | -943 bps | |
| Share Growth (YoY) | -5.33% | -3.27% | -1.77% | -2.06% | 1.27% | +660 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.53% | 0.79% | 0.19% | 0.92% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.10% | 2.08% | 2.69% | 2.52% | +118 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.37% | 7.13% | 6.12% | 5.62% | 6.33% | -104 bps | |
| Net Worth / Assets | 7.37% | 7.13% | 6.12% | 5.62% | 6.33% | -104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.34% | 82.15% | 76.10% | 76.28% | 73.85% | -949 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |