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

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.

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.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets-0.14%0.07%0.13%0.24%0.27%0.54%0.62%-0.29%-53 bps
Return on Equity-1.75%0.90%1.52%2.90%3.23%6.26%7.01%-3.53%-643 bps
Net Interest Margin2.05%2.14%2.20%2.27%2.49%2.68%2.81%2.91%+64 bps
Efficiency Ratio98.44%93.20%92.19%89.23%89.25%83.78%82.02%102.95%+1,372 bps
Growth
Asset Growth (YoY)-2.68%-3.75%-4.83%-4.31%-3.85%-2.72%-0.66%0.30%+461 bps
Loan Growth (YoY)9.17%8.74%5.83%5.00%4.90%2.37%2.08%1.79%-322 bps
Share Growth (YoY)-3.78%-4.38%-5.73%-4.95%-4.57%-3.47%-1.48%-0.41%+454 bps
Asset Quality
Delinquent Loans / Loans0.47%0.49%0.97%0.74%0.93%1.44%1.10%1.53%+79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.75%7.96%8.22%8.43%8.40%8.65%8.88%8.11%-32 bps
Net Worth / Assets7.75%7.96%8.22%8.43%8.40%8.65%8.88%8.11%-32 bps
Liquidity & Funding
Loans / Shares42.24%44.32%45.95%46.77%46.44%47.00%47.61%47.80%+103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps