Burnham, PA · Charter 18375
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Burnham, PA · Charter 18375
NCUA · 1 branch
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | 0.03% | -0.15% | 0.10% | 0.15% | +21 bps | |
| Return on Equity | -0.81% | 0.38% | -2.13% | 1.49% | 2.15% | +295 bps | |
| Net Interest Margin | 2.70% | 2.70% | 2.80% | 2.66% | 2.70% | +1 bps | |
| Efficiency Ratio | 101.75% | 100.23% | 101.31% | 96.75% | 95.98% | -577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | 4.97% | 3.68% | 1.14% | 1.70% | -196 bps | |
| Loan Growth (YoY) | 1.98% | 4.55% | 6.10% | 1.95% | -0.48% | -246 bps | |
| Share Growth (YoY) | 4.19% | 5.43% | 4.17% | -0.33% | 1.90% | -230 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 1.05% | 0.39% | 0.39% | 0.53% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.16% | 0.21% | 0.22% | 0.20% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.11% | 7.05% | 7.13% | 6.71% | 6.95% | -16 bps | |
| Net Worth / Assets | 7.11% | 7.05% | 7.13% | 6.71% | 6.95% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.56% | 39.16% | 40.44% | 36.98% | 36.69% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 95.46% | 99.22% | +9,922 bps | |