Wilkes Barre, PA · Charter 12621
NCUA · 1 branch
Q2 2019
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.92% | -2.88% | -2.34% | -1.16% | -0.77% | -1.72% | 2.35% | -0.59% | +58 bps | |
| Return on Equity | -11.01% | -17.25% | -14.54% | -7.64% | -5.16% | -12.69% | 16.69% | -4.59% | +305 bps | |
| Net Interest Margin | 4.14% | 4.04% | 3.94% | 3.74% | 3.88% | 3.85% | 3.69% | 3.69% | -5 bps | |
| Efficiency Ratio | 138.35% | 158.83% | 135.89% | 118.39% | 111.14% | 126.18% | 75.33% | 108.76% | -963 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -3.89% | -1.01% | 6.48% | 7.25% | 9.15% | 9.85% | 7.56% | +108 bps | |
| Loan Growth (YoY) | 17.12% | -0.54% | -12.40% | -5.25% | -10.02% | -2.32% | 0.70% | -4.54% | +71 bps | |
| Share Growth (YoY) | -1.08% | -1.91% | 1.03% | 9.27% | 10.60% | 13.13% | 12.51% | 10.71% | +144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.48% | 6.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.23% | 9.92% | 9.83% | 9.62% | 10.26% | 10.15% | 9.77% | 10.08% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.44% | 16.70% | 16.10% | 15.24% | 14.86% | 13.58% | 14.07% | 12.76% | -248 bps | |
| Net Worth / Assets | 17.44% | 16.70% | 16.10% | 15.24% | 14.86% | 13.58% | 14.07% | 12.76% | -248 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.29% | 43.04% | 43.08% | 41.32% | 37.66% | 37.16% | 38.56% | 35.63% | -569 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |