Whitehall, PA · Charter 16709
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.69% | -0.53% | -0.52% | -0.49% | -13.33% | -1,264 bps | |
| Return on Equity | -3.72% | -2.87% | -2.80% | -2.24% | -89.06% | -8,534 bps | |
| Net Interest Margin | 2.93% | 2.69% | 2.65% | 3.00% | -6.95% | -988 bps | |
| Efficiency Ratio | 127.59% | 119.51% | 119.36% | 115.98% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.34% | 4.59% | 5.20% | -8.38% | -34.15% | -4,249 bps | |
| Loan Growth (YoY) | 6.81% | 2.42% | -2.51% | -12.08% | -26.49% | -3,330 bps | |
| Share Growth (YoY) | 11.49% | 6.61% | 7.37% | -9.79% | -30.92% | -4,241 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.63% | 4.23% | 4.76% | 4.67% | 0.00% | -463 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.47% | 0.52% | 0.39% | 3.78% | +331 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.64% | 18.64% | 18.66% | 21.81% | 14.97% | -367 bps | |
| Net Worth / Assets | 18.64% | 18.64% | 18.66% | 21.81% | 14.97% | -367 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.79% | 54.71% | 49.93% | 57.47% | 58.31% | +351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |