Harrisburg, PA · Charter 14283
NCUA · 1 branch
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in PA (n=128 to 129). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
8
Profitability
35
Liquidity
1
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Harrisburg, PA · Charter 14283
NCUA · 1 branch
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.76% | 0.58% | 0.91% | 0.89% | 1.04% | 0.78% | -1.92% | -0.67% | -156 bps | |
| Return on Equity | -4.86% | 3.48% | 5.40% | 5.19% | 5.88% | 4.40% | -10.92% | -3.79% | -898 bps | |
| Net Interest Margin | 2.13% | 2.60% | 4.06% | 4.18% | 4.37% | 4.43% | 4.55% | 4.57% | +39 bps | |
| Efficiency Ratio | 129.27% | 81.27% | 79.50% | 80.60% | 78.30% | 83.94% | 138.12% | 113.36% | +3,276 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.98% | -2.01% | 0.35% | 0.03% | -7.27% | -2.22% | -3.61% | -3.36% | -339 bps | |
| Loan Growth (YoY) | -2.79% | -0.02% | 16.59% | 36.24% | 45.43% | 51.48% | 42.07% | 33.50% | -274 bps | |
| Share Growth (YoY) | -1.45% | -2.27% | 0.11% | -0.48% | -4.57% | -3.50% | -5.10% | -4.12% | -364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.25% | 3.05% | 1.86% | 1.94% | 2.78% | 2.66% | 3.30% | 2.12% | +18 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 | 1.58% | 1.53% | 1.05% | 0.92% | 0.78% | 0.27% | 0.26% | -0.06% | -97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.73% | 16.75% | 16.94% | 17.10% | 17.67% | 17.76% | 17.55% | 17.71% | +61 bps | |
| Net Worth / Assets | 15.73% | 16.75% | 16.94% | 17.10% | 17.67% | 17.76% | 17.55% | 17.71% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.16% | 45.76% | 51.71% | 59.52% | 67.29% | 71.83% | 77.40% | 82.87% | +2,335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrisburg, PA · Charter 14283 · Peer group: credit unions under $1B in assets in PA (n=128-129)
NCUA · 1 branch
Q2 2024
Return on Assets
-0.68%
Rank 122 of 129
Net Interest Margin
4.58%
Rank 8 of 129
Efficiency Ratio
113.54%
Rank 121 of 129
Equity / Assets
17.70%
Rank 32 of 129
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.68% | 0.21% | 0.71% | 1.26% | Beats 5% | 122 / 129 | n/a | |
| Return on Equity | -3.84% | 1.65% | 4.68% | 9.11% | Beats 6% | 121 / 129 | n/a | |
| Net Interest Margin | 4.58% | 2.76% | 3.35% | 3.89% | Beats 94% | 8 / 129 | n/a | |
| Efficiency Ratio | 113.54% | 66.14% | 78.55% | 87.47% | Beats 7% | 121 / 129 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.11% | 0.20% | 0.58% | 1.00% | Beats 8% | 119 / 128 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.71% | 9.79% | 11.98% | 16.58% | Beats 75% | 32 / 129 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.70% | 9.79% | 11.98% | 16.58% | Beats 75% | 32 / 129 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.87% | 39.90% | 55.55% | 72.50% | 89th pctl | 14 / 128 | n/a | |
| Loans / Assets | 68.10% | 34.26% | 48.46% | 63.78% | 83rd pctl | 22 / 129 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||