Everett, PA · Charter 14347
NCUA · 1 branch
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.19% | 0.13% | -0.01% | -2.42% | -274 bps | |
| Return on Equity | 1.84% | 1.11% | 0.71% | -0.04% | -12.16% | -1,401 bps | |
| Net Interest Margin | 7.09% | 6.88% | 6.97% | 7.55% | 8.36% | +127 bps | |
| Efficiency Ratio | 88.27% | 92.05% | 95.54% | 98.24% | 122.41% | +3,414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.03% | -5.88% | -7.84% | -16.51% | -22.48% | -1,545 bps | |
| Loan Growth (YoY) | -7.35% | -10.18% | -15.51% | -16.91% | -17.61% | -1,027 bps | |
| Share Growth (YoY) | -8.84% | -7.16% | -9.70% | -19.59% | -24.85% | -1,601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.81% | 1.79% | 1.45% | 1.53% | 2.07% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.24% | 17.05% | 17.93% | 19.35% | 19.92% | +268 bps | |
| Net Worth / Assets | 17.24% | 17.05% | 17.93% | 19.35% | 19.92% | +268 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |