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Holy Rosary Church

Wilkes Barre, PA · Charter 12621

NCUA · 1 branch

Q2 2019

$336KAssets
$104KLoans
$293KShares
$43KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.59%, up 58 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.76%, down 248 bps from a year ago.
  • Funding: loans stand at 35.63% of shares as of Q2 2019.

Financial Results

Return on Assets (quarter, annualized)

-0.59%+58 bps YoY

Net Interest Margin (quarter, annualized)

3.69%-5 bps YoY

Efficiency Ratio (quarter, annualized)

108.76%-963 bps YoY

Net Worth / Assets

12.76%-248 bps YoY

Discrete quarter, annualized.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets-1.16%-0.77%-1.72%2.35%-0.59%+58 bps
Return on Equity-7.64%-5.16%-12.69%16.69%-4.59%+305 bps
Net Interest Margin3.74%3.88%3.85%3.69%3.69%-5 bps
Efficiency Ratio118.39%111.14%126.18%75.33%108.76%-963 bps
Growth
Asset Growth (YoY)6.48%7.25%9.15%9.85%7.56%+108 bps
Loan Growth (YoY)-5.25%-10.02%-2.32%0.70%-4.54%+71 bps
Share Growth (YoY)9.27%10.60%13.13%12.51%10.71%+144 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.62%10.26%10.15%9.77%10.08%+46 bps
Capital
Risk-Based Capital15.24%14.86%13.58%14.07%12.76%-248 bps
Net Worth / Assets15.24%14.86%13.58%14.07%12.76%-248 bps
Liquidity & Funding
Loans / Shares41.32%37.66%37.16%38.56%35.63%-569 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps