Harrisburg, PA · Charter 14283
NCUA · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |