Everett, PA · Charter 14347
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 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 (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
6
Profitability
35
Liquidity
21
Efficiency
3
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.
Everett, PA · Charter 14347
NCUA · 1 branch
Q4 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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.30% | 0.30% | 0.32% | 0.19% | 0.13% | -0.01% | -2.42% | -274 bps | |
| Return on Equity | 2.15% | 1.85% | 1.86% | 1.84% | 1.11% | 0.71% | -0.04% | -12.16% | -1,401 bps | |
| Net Interest Margin | 6.77% | 6.77% | 6.74% | 7.09% | 6.88% | 6.97% | 7.55% | 8.36% | +127 bps | |
| Efficiency Ratio | 92.12% | 92.02% | 89.44% | 88.27% | 92.05% | 95.54% | 98.24% | 122.41% | +3,414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.51% | -10.16% | -6.68% | -7.03% | -5.88% | -7.84% | -16.51% | -22.48% | -1,545 bps | |
| Loan Growth (YoY) | 2.67% | 4.85% | -5.90% | -7.35% | -10.18% | -15.51% | -16.91% | -17.61% | -1,027 bps | |
| Share Growth (YoY) | -10.66% | -12.56% | -8.50% | -8.84% | -7.16% | -9.70% | -19.59% | -24.85% | -1,601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 1.22% | 3.24% | 4.03% | 2.74% | 1.67% | 1.96% | 3.63% | -40 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 | 2.21% | 1.76% | 1.92% | 1.81% | 1.79% | 1.45% | 1.53% | 2.07% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.79% | 16.24% | 16.02% | 17.24% | 17.05% | 17.93% | 19.35% | 19.92% | +268 bps | |
| Net Worth / Assets | 15.79% | 16.24% | 16.02% | 17.24% | 17.05% | 17.93% | 19.35% | 19.92% | +268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.90% | 83.90% | 79.15% | 81.98% | 77.30% | 78.51% | 81.79% | 89.88% | +790 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Everett, PA · Charter 14347 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-2.45%
Rank 1,697 of 1,724
Net Interest Margin
8.38%
Rank 4 of 1,723
Efficiency Ratio
121.90%
Rank 1,673 of 1,721
Equity / Assets
19.91%
Rank 221 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.45% | 0.25% | 0.67% | 1.13% | Beats 2% | 1,697 / 1,724 | ||
| Return on Equity | -12.30% | 1.95% | 5.34% | 8.54% | Beats 3% | 1,667 / 1,723 | ||
| Net Interest Margin | 8.38% | 3.03% | 3.61% | 4.27% | Beats 100% | 4 / 1,723 | ||
| Efficiency Ratio | 121.90% | 69.84% | 78.36% | 87.50% | Beats 3% | 1,673 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.60% | 0.28% | 0.70% | 1.38% | Beats 6% | 1,619 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.92% | 10.16% | 12.41% | 16.03% | Beats 87% | 221 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.91% | 10.15% | 12.41% | 16.03% | Beats 87% | 221 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.88% | 55.95% | 72.66% | 85.34% | 82nd pctl | 302 / 1,722 | ||
| Loans / Assets | 71.65% | 47.91% | 62.00% | 72.82% | 72nd pctl | 489 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||