PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington County Postal

Donora, PA · Charter 13100

Q4 2013

$1.9MAssets
$657KLoans
$1.7MShares
$204KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.33%, down 5 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.71%, up 1 bps from a year ago.
  • Funding: loans stand at 38.61% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.33%-5 bps YoY

Net Interest Margin (YTD, annualized)

1.56%-36 bps YoY

Efficiency Ratio (YTD, annualized)

121.13%+660 bps YoY

Net Worth / Assets

10.71%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
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 Margin1.93%1.85%1.35%1.56%1.56%-36 bps
Efficiency Ratio114.53%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.99%0.96%1.02%1.08%+13 bps
Capital
Risk-Based Capital10.69%10.80%10.44%10.84%10.71%+1 bps
Net Worth / Assets10.69%10.80%10.44%10.84%10.71%+1 bps
Liquidity & Funding
Loans / Shares42.40%40.68%41.18%40.47%38.61%-379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps