Beaver, PA · Charter 17771
NCUA · 1 branch
Q1 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.22% | 0.16% | -0.13% | -225% | -22,525 bps | |
| Return on Equity | -0.04% | 0.38% | 0.27% | -0.21% | -1315% | -131,542 bps | |
| Net Interest Margin | 2.89% | 3.15% | 3.21% | 3.40% | -221% | -22,362 bps | |
| Efficiency Ratio | 100.78% | 93.03% | 95.05% | 94.48% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.80% | -7.40% | -9.50% | -13.33% | -23.90% | -2,109 bps | |
| Loan Growth (YoY) | -7.44% | 5.84% | -13.03% | -12.69% | -18.18% | -1,074 bps | |
| Share Growth (YoY) | -6.27% | -16.45% | -20.70% | -29.44% | 43.36% | +4,963 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.76% | 0.83% | 0.00% | 0.00% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.39% | 0.43% | 0.39% | 0.44% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 56.00% | 58.16% | 59.13% | 63.38% | 17.13% | -3,888 bps | |
| Net Worth / Assets | 56.00% | 58.16% | 59.13% | 63.38% | 17.13% | -3,888 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.11% | 120.40% | 113.48% | 121.12% | 54.28% | -4,082 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |