Pottsville, PA · Charter 12676
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | 0.09% | 0.11% | 0.04% | -7.40% | -731 bps | |
| Return on Equity | -1.19% | 1.20% | 1.46% | 0.55% | -131.23% | -13,004 bps | |
| Net Interest Margin | 2.84% | 2.88% | 2.96% | 2.93% | 2.96% | +12 bps | |
| Efficiency Ratio | 105.44% | 100.97% | 100.14% | 100.82% | 245% | +13,990 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.04% | 0.00% | -2.27% | 3.78% | 0.83% | +288 bps | |
| Loan Growth (YoY) | 1.51% | 1.33% | -0.52% | 0.70% | -2.27% | -378 bps | |
| Share Growth (YoY) | -2.17% | 0.04% | -2.59% | 4.05% | 2.93% | +510 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.68% | 0.54% | 0.38% | 0.33% | 0.55% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.49% | 7.60% | 7.73% | 7.54% | 5.64% | -185 bps | |
| Net Worth / Assets | 7.49% | 7.60% | 7.73% | 7.54% | 5.64% | -185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |