Everett, PA · Charter 14347
NCUA · 1 branch
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |