PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jay Bee Employees

Bethlehem, PA · Charter 14792

NCUA · 1 branch

Q3 2024

$1.2MAssets
$440KLoans
$1.0MShares
$144KNet Worth

Executive Summary

  • Earnings: ROA of -4.32%, down 448 bps year over year; NIM at -2.02%.
  • Asset quality: problem loans at 0.93% of loans (+93 bps YoY).
  • Capital: net worth / assets of 12.44%, down 264 bps from a year ago.
  • Funding: loans stand at 43.34% of shares as of Q3 2024.

Return on Assets (YTD, annualized)

-4.32%-448 bps YoY

Net Interest Margin (YTD, annualized)

-2.02%-440 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.44%-264 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.11%0.70%0.12%0.17%-0.54%0.32%-1.35%-4.32%-448 bps
Return on Equity0.98%6.00%0.98%1.10%-3.83%2.28%-10.18%-34.69%-3,579 bps
Net Interest Margin1.58%2.18%1.77%2.38%1.51%2.30%0.46%-2.02%-440 bps
Efficiency Ratio93.21%68.65%93.35%92.26%140.08%86.48%356%n/an/a
Growth
Asset Growth (YoY)1.26%2.17%-2.45%-20.17%-20.59%-22.00%-16.12%-8.14%+1,203 bps
Loan Growth (YoY)3.42%-12.87%4.28%-6.16%-9.20%-9.36%-33.46%-30.18%-2,402 bps
Share Growth (YoY)1.31%2.22%-2.97%-22.99%-22.81%-24.27%-17.14%-5.25%+1,774 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.10%0.00%0.00%0.00%0.00%0.93%+93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.67%11.59%12.23%15.08%14.16%14.18%13.30%12.44%-264 bps
Net Worth / Assets11.67%11.59%12.23%15.08%14.16%14.18%13.30%12.44%-264 bps
Liquidity & Funding
Loans / Shares44.72%38.45%50.13%58.81%52.60%46.03%40.26%43.34%-1,547 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps