Lancaster, PA · Charter 12421
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.47% | -0.69% | -0.68% | -5.54% | -514 bps | |
| Return on Equity | -2.65% | -2.99% | -4.40% | -4.19% | -44.44% | -4,179 bps | |
| Net Interest Margin | 3.02% | 3.08% | 3.07% | 3.19% | 3.35% | +33 bps | |
| Efficiency Ratio | 105.88% | 112.30% | 112.36% | 112.35% | 208% | +10,219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.40% | -14.51% | -11.61% | -11.87% | -16.28% | -1,189 bps | |
| Loan Growth (YoY) | -0.69% | 4.83% | 4.84% | -0.66% | -5.53% | -484 bps | |
| Share Growth (YoY) | -4.90% | -16.32% | -13.10% | -13.34% | -11.08% | -618 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 1.13% | 0.79% | 0.71% | 1.39% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.34% | 0.39% | 0.38% | 0.49% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.06% | 15.86% | 15.78% | 16.14% | 12.46% | -261 bps | |
| Net Worth / Assets | 15.06% | 15.86% | 15.78% | 16.14% | 12.46% | -261 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.33% | 58.75% | 60.38% | 60.68% | 57.73% | +339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |