Vandergrift, PA · Charter 16242
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.24% | -0.93% | -0.83% | -0.25% | -0.38% | -3.20% | -2.07% | -1.94% | -169 bps | |
| Return on Equity | -29.37% | -6.80% | -6.16% | -1.72% | -2.70% | -22.99% | -14.60% | -17.00% | -1,528 bps | |
| Net Interest Margin | 3.02% | 2.33% | 2.14% | 2.55% | 2.44% | 1.41% | 1.58% | 1.19% | -136 bps | |
| Efficiency Ratio | 143.98% | 139.16% | 137.91% | 109.48% | 115.20% | 318% | 225% | 253% | +14,341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.50% | -8.98% | -5.74% | -5.94% | 0.06% | -8.19% | -5.28% | 8.32% | +1,426 bps | |
| Loan Growth (YoY) | 0.19% | -4.63% | -3.41% | -1.56% | -18.54% | -27.39% | -15.74% | -23.46% | -2,191 bps | |
| Share Growth (YoY) | -17.74% | -7.34% | -5.16% | -6.01% | 0.41% | -4.22% | -6.16% | 11.70% | +1,771 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.33% | 1.73% | 2.60% | +260 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 | 1.22% | 1.25% | 1.38% | 1.41% | 1.50% | 1.72% | 1.64% | -0.12% | -153 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.42% | 13.66% | 13.39% | 14.28% | 14.03% | 13.93% | 14.18% | 11.38% | -290 bps | |
| Net Worth / Assets | 14.42% | 13.66% | 13.39% | 14.28% | 14.03% | 13.93% | 14.18% | 11.38% | -290 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.44% | 72.11% | 64.81% | 67.77% | 62.83% | 54.67% | 58.20% | 46.44% | -2,133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |