Pittsburgh, PA · Charter 181
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.20% | 0.09% | 0.46% | -0.08% | 0.15% | -4.16% | -0.49% | -95 bps | |
| Return on Equity | 0.36% | 1.12% | 0.49% | 2.33% | -0.39% | 0.78% | -26.78% | -2.97% | -530 bps | |
| Net Interest Margin | 0.47% | 0.70% | 0.62% | 1.16% | 0.80% | 0.69% | -3.60% | 0.44% | -72 bps | |
| Efficiency Ratio | 88.90% | 73.93% | 87.06% | 60.39% | 109.53% | 85.99% | n/a | 208% | +14,780 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.77% | 0.21% | 0.67% | -13.42% | -14.00% | -11.54% | -12.44% | -6.25% | +716 bps | |
| Loan Growth (YoY) | -6.16% | -35.02% | -28.28% | -32.39% | -21.49% | -9.33% | -19.77% | 7.75% | +4,014 bps | |
| Share Growth (YoY) | -4.68% | 0.44% | 1.37% | -15.95% | -16.14% | -14.02% | -14.73% | -2.33% | +1,362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.09% | 0.00% | 0.33% | 0.00% | 0.48% | 0.44% | 0.14% | -19 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 | 8.34% | 9.62% | 9.03% | 10.64% | 10.62% | 10.61% | 11.26% | 9.87% | -77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.68% | 17.43% | 17.26% | 19.77% | 19.42% | 19.75% | 15.55% | 16.42% | -336 bps | |
| Net Worth / Assets | 16.68% | 17.43% | 17.26% | 19.77% | 19.42% | 19.75% | 15.55% | 16.42% | -336 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.92% | 11.63% | 12.31% | 12.25% | 12.10% | 12.26% | 11.58% | 13.52% | +126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |