Donora, PA · Charter 13100
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Donora, PA · Charter 13100
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | 0.20% | -0.36% | -0.20% | -0.33% | -5 bps | |
| Return on Equity | -2.63% | 1.87% | -3.48% | -1.85% | -3.09% | -46 bps | |
| Net Interest Margin | 1.93% | 1.85% | 1.35% | 1.56% | 1.56% | -36 bps | |
| Efficiency Ratio | 114.53% | 89.03% | 126.99% | 112.85% | 121.13% | +660 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.83% | -5.34% | -4.02% | -4.47% | -3.94% | +89 bps | |
| Loan Growth (YoY) | -19.28% | -16.10% | -10.95% | -13.26% | -12.40% | +688 bps | |
| Share Growth (YoY) | -5.28% | -5.70% | -4.24% | -4.63% | -3.80% | +148 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.95% | 0.99% | 0.96% | 1.02% | 1.08% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.69% | 10.80% | 10.44% | 10.84% | 10.71% | +1 bps | |
| Net Worth / Assets | 10.69% | 10.80% | 10.44% | 10.84% | 10.71% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.40% | 40.68% | 41.18% | 40.47% | 38.61% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |