Johnstown, PA · Charter 13740
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -0.32% | -0.52% | -0.83% | -0.89% | -0.93% | -1.08% | -1.34% | -50 bps | |
| Return on Equity | -3.26% | -1.80% | -2.96% | -4.58% | -4.71% | -4.96% | -5.86% | -7.36% | -277 bps | |
| Net Interest Margin | 2.30% | 2.20% | 2.22% | 2.24% | 2.30% | 1.91% | 2.00% | 2.03% | -21 bps | |
| Efficiency Ratio | 119.42% | 113.69% | 124.95% | 132.41% | 125.24% | 144.71% | 143.58% | 142.01% | +960 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | -3.15% | -0.81% | -3.89% | -5.38% | -7.69% | -7.08% | -4.22% | -33 bps | |
| Loan Growth (YoY) | -4.39% | -6.51% | 2.04% | -0.44% | -11.57% | -12.25% | -20.53% | -24.00% | -2,355 bps | |
| Share Growth (YoY) | -4.25% | -5.30% | -2.51% | -6.64% | -6.26% | -6.58% | -5.68% | -1.76% | +488 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.00% | 0.24% | 1.28% | 0.46% | 0.50% | 0.81% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.75% | 0.66% | 0.67% | 0.10% | 0.16% | 0.25% | 0.60% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.12% | 17.83% | 17.72% | 18.20% | 18.81% | 18.82% | 18.47% | 18.18% | -1 bps | |
| Net Worth / Assets | 18.12% | 17.83% | 17.72% | 18.20% | 18.81% | 18.82% | 18.47% | 18.18% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.78% | 43.47% | 44.22% | 46.35% | 43.19% | 40.84% | 37.26% | 35.86% | -1,049 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |