Forty-Fort, PA · Charter 17460
NCUA · 1 branch
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.15% | -0.04% | 0.08% | -0.92% | -0.68% | -0.07% | -0.18% | -26 bps | |
| Return on Equity | -3.88% | -2.23% | -0.58% | 1.31% | -15.15% | -9.57% | -0.96% | -2.00% | -331 bps | |
| Net Interest Margin | 2.44% | 2.41% | 2.37% | 2.44% | 2.72% | 3.25% | 3.39% | 4.10% | +166 bps | |
| Efficiency Ratio | 110.32% | 105.82% | 101.48% | 96.80% | 97.65% | 94.70% | 86.19% | 92.18% | -462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.79% | 15.14% | 18.22% | 22.14% | 12.41% | -7.64% | -13.62% | -29.44% | -5,158 bps | |
| Loan Growth (YoY) | 6.36% | 5.29% | 9.06% | 22.02% | 43.73% | 44.97% | 33.16% | 24.41% | +240 bps | |
| Share Growth (YoY) | 14.29% | 16.70% | 19.83% | 23.89% | 13.46% | -8.02% | -14.64% | -31.45% | -5,534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.27% | 1.59% | 0.21% | 0.18% | 0.18% | 0.65% | 1.63% | +142 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 | 0.33% | 0.35% | 0.31% | 0.29% | 0.01% | 0.35% | 0.29% | 0.29% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.92% | 6.68% | 6.45% | 6.39% | 6.07% | 7.07% | 7.54% | 8.88% | +249 bps | |
| Net Worth / Assets | 6.92% | 6.68% | 6.45% | 6.39% | 6.07% | 7.07% | 7.54% | 8.88% | +249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.23% | 28.89% | 32.40% | 33.87% | 38.30% | 45.54% | 50.55% | 61.48% | +2,760 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |