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 | |