Port Allegany, PA · Charter 12738
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Port Allegany, PA · Charter 12738
Q3 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.17% | -0.19% | 0.05% | 0.57% | +86 bps | |
| Return on Equity | -2.89% | -1.72% | -1.92% | 0.53% | 5.46% | +835 bps | |
| Net Interest Margin | 3.60% | 3.62% | 3.20% | 3.39% | 3.49% | -11 bps | |
| Efficiency Ratio | 107.01% | 102.99% | 107.60% | 100.83% | 98.58% | -843 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.39% | -0.23% | -5.92% | -4.07% | -0.65% | -204 bps | |
| Loan Growth (YoY) | -5.15% | -0.35% | 1.43% | 4.42% | 15.51% | +2,066 bps | |
| Share Growth (YoY) | 1.75% | -0.20% | -6.16% | -4.31% | -1.13% | -288 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.53% | 0.03% | 0.03% | 2.24% | +207 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.51% | 0.44% | 0.56% | 0.04% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 9.90% | 9.82% | 9.99% | 10.47% | +48 bps | |
| Net Worth / Assets | 9.99% | 9.90% | 9.82% | 9.99% | 10.47% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.78% | 64.12% | 61.43% | 68.31% | 75.68% | +1,090 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |