New Kensington, PA · Charter 15373
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -3.56% | -4.34% | -2.28% | -5.47% | -521 bps | |
| Return on Equity | -3.21% | -65.12% | -80.66% | -48.77% | -181.37% | -17,816 bps | |
| Net Interest Margin | 3.33% | 3.39% | 3.85% | 3.52% | 3.61% | +29 bps | |
| Efficiency Ratio | 109.07% | 108.10% | 114.14% | 164.70% | 174.91% | +6,584 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.10% | -1.19% | -13.51% | -21.22% | -22.69% | -1,959 bps | |
| Loan Growth (YoY) | -20.20% | -29.30% | -25.09% | -27.25% | -31.47% | -1,127 bps | |
| Share Growth (YoY) | -1.77% | 3.24% | -10.65% | -18.84% | -18.45% | -1,668 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.98% | 17.78% | 14.49% | 12.82% | 11.03% | -1,295 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.58% | 7.64% | 7.88% | 6.67% | 7.27% | +169 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.90% | 5.46% | 5.37% | 4.67% | 3.01% | -489 bps | |
| Net Worth / Assets | 7.90% | 5.46% | 5.37% | 4.67% | 3.01% | -489 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.73% | 42.13% | 48.09% | 42.19% | 42.63% | -810 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |