Bethlehem, PA · Charter 14792
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 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 (n=1,757 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
37
Profitability
1
Liquidity
7
Efficiency
2
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.
Bethlehem, PA · Charter 14792
NCUA · 1 branch
Q3 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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | -0.54% | 0.32% | -1.35% | -4.32% | -448 bps | |
| Return on Equity | 1.10% | -3.83% | 2.28% | -10.18% | -34.69% | -3,579 bps | |
| Net Interest Margin | 2.38% | 1.51% | 2.30% | 0.46% | -2.02% | -440 bps | |
| Efficiency Ratio | 92.26% | 140.08% | 86.48% | 356% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -20.17% | -20.59% | -22.00% | -16.12% | -8.14% | +1,203 bps | |
| Loan Growth (YoY) | -6.16% | -9.20% | -9.36% | -33.46% | -30.18% | -2,402 bps | |
| Share Growth (YoY) | -22.99% | -22.81% | -24.27% | -17.14% | -5.25% | +1,774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.93% | +93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.08% | 14.16% | 14.18% | 13.30% | 12.44% | -264 bps | |
| Net Worth / Assets | 15.08% | 14.16% | 14.18% | 13.30% | 12.44% | -264 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.81% | 52.60% | 46.03% | 40.26% | 43.34% | -1,547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bethlehem, PA · Charter 14792 · Peer group: credit unions under $1B in assets (n=1,757-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
-4.36%
Rank 1,739 of 1,761
Net Interest Margin
-1.95%
Rank 1,760 of 1,761
Equity / Assets
12.40%
Rank 886 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.36% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,739 / 1,761 | |
| Return on Equity | -35.19% | 2.09% | 5.52% | 9.08% | Beats 2% | 1,734 / 1,761 | |
| Net Interest Margin | -1.95% | 3.03% | 3.59% | 4.25% | Beats 0% | 1,760 / 1,761 | |
| Efficiency Ratio | n/a | Not reported for this institution | |||||
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.27% | Beats 37% | 1,113 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.44% | 10.05% | 12.42% | 15.87% | Beats 50% | 875 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.40% | 10.05% | 12.42% | 15.87% | Beats 50% | 886 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.34% | 56.21% | 73.13% | 85.64% | 11th pctl | 1,558 / 1,759 | |
| Loans / Assets | 37.90% | 47.85% | 62.48% | 73.19% | 13th pctl | 1,535 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||