Pottsville, PA · Charter 12676
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Pottsville, PA · Charter 12676
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.49% | -0.36% | -0.09% | 0.09% | 0.11% | 0.04% | -7.40% | -731 bps | |
| Return on Equity | -7.20% | -6.61% | -4.67% | -1.19% | 1.20% | 1.46% | 0.55% | -131.23% | -13,004 bps | |
| Net Interest Margin | 2.70% | 2.72% | 2.85% | 2.84% | 2.88% | 2.96% | 2.93% | 2.96% | +12 bps | |
| Efficiency Ratio | 101.41% | 98.87% | 98.77% | 105.44% | 100.97% | 100.14% | 100.82% | 245% | +13,990 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.56% | -1.76% | -2.07% | -2.04% | 0.00% | -2.27% | 3.78% | 0.83% | +288 bps | |
| Loan Growth (YoY) | 5.11% | 7.10% | 2.52% | 1.51% | 1.33% | -0.52% | 0.70% | -2.27% | -378 bps | |
| Share Growth (YoY) | -6.61% | -1.61% | -1.87% | -2.17% | 0.04% | -2.59% | 4.05% | 2.93% | +510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 2.80% | 0.26% | 0.39% | 1.55% | 0.13% | 0.37% | 1.05% | +66 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 | 0.62% | 0.96% | 0.92% | 0.68% | 0.54% | 0.38% | 0.33% | 0.55% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.63% | 7.45% | 7.78% | 7.49% | 7.60% | 7.73% | 7.54% | 5.64% | -185 bps | |
| Net Worth / Assets | 7.63% | 7.45% | 7.78% | 7.49% | 7.60% | 7.73% | 7.54% | 5.64% | -185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.22% | 31.42% | 31.88% | 30.54% | 31.62% | 32.09% | 30.85% | 28.99% | -154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |