Jeannette, PA · Charter 15551
NCUA · 2 branches
Q1 2023
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.57% | -0.61% | -0.69% | -1.37% | -2.31% | -2.52% | 3.10% | +379 bps | |
| Return on Equity | -1.80% | -1.49% | -1.59% | -1.82% | -3.67% | -6.09% | -6.54% | 7.95% | +977 bps | |
| Net Interest Margin | 2.51% | 2.47% | 2.50% | 2.00% | 1.92% | 2.16% | 2.05% | 4.70% | +270 bps | |
| Efficiency Ratio | 123.08% | 118.65% | 119.76% | 125.58% | 138.87% | 191.16% | 182.66% | 40.98% | -8,460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 5.22% | 0.55% | -0.68% | -1.66% | -4.41% | -5.55% | -5.33% | -465 bps | |
| Loan Growth (YoY) | -13.55% | -13.99% | -20.36% | -18.30% | -20.33% | -19.78% | -23.11% | -28.26% | -995 bps | |
| Share Growth (YoY) | 5.23% | 10.11% | 2.07% | 0.43% | -0.71% | -3.68% | -5.13% | -8.53% | -896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.84% | 2.47% | 2.26% | 1.47% | 3.57% | 1.12% | 1.01% | 2.77% | +130 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 | 1.23% | 1.28% | 0.53% | 1.44% | 1.99% | 0.80% | 0.90% | 1.03% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.68% | 38.05% | 38.25% | 37.90% | 37.37% | 37.89% | 38.49% | 39.00% | +110 bps | |
| Net Worth / Assets | 37.68% | 38.05% | 38.25% | 37.90% | 37.37% | 37.89% | 38.49% | 39.00% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.05% | 61.60% | 57.43% | 53.26% | 50.59% | 51.30% | 46.55% | 41.77% | -1,149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |