PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

NE PA School Employees

Stroudsburg, PA · Charter 13458

NCUA · 2 branches

Q4 2024

$167.7MAssets
$72.6MLoans
$151.9MShares
$13.6MNet 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 -0.29%, down 53 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 1.53% of loans (+79 bps YoY).
  • Capital: net worth / assets of 8.11%, down 32 bps from a year ago.
  • Funding: loans stand at 47.80% of shares as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

-0.29%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+64 bps YoY

Efficiency Ratio (YTD, annualized)

102.95%+1,372 bps YoY

Net Worth / Assets

8.11%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.24%0.27%0.54%0.62%-0.29%-53 bps
Return on Equity2.90%3.23%6.26%7.01%-3.53%-643 bps
Net Interest Margin2.27%2.49%2.68%2.81%2.91%+64 bps
Efficiency Ratio89.23%89.25%83.78%82.02%102.95%+1,372 bps
Growth
Asset Growth (YoY)-4.31%-3.85%-2.72%-0.66%0.30%+461 bps
Loan Growth (YoY)5.00%4.90%2.37%2.08%1.79%-322 bps
Share Growth (YoY)-4.95%-4.57%-3.47%-1.48%-0.41%+454 bps
Asset Quality
Delinquent Loans / Loans0.74%0.93%1.44%1.10%1.53%+79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.43%8.40%8.65%8.88%8.11%-32 bps
Net Worth / Assets8.43%8.40%8.65%8.88%8.11%-32 bps
Liquidity & Funding
Loans / Shares46.77%46.44%47.00%47.61%47.80%+103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps