Burnham, PA · Charter 18375
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.35% | 0.03% | -0.06% | 0.03% | -0.15% | 0.10% | 0.15% | +21 bps | |
| Return on Equity | -5.18% | -4.69% | 0.49% | -0.81% | 0.38% | -2.13% | 1.49% | 2.15% | +295 bps | |
| Net Interest Margin | 2.68% | 2.78% | 2.58% | 2.70% | 2.70% | 2.80% | 2.66% | 2.70% | +1 bps | |
| Efficiency Ratio | 109.76% | 108.64% | 98.68% | 101.75% | 100.23% | 101.31% | 96.75% | 95.98% | -577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.39% | 3.88% | 8.82% | 3.66% | 4.97% | 3.68% | 1.14% | 1.70% | -196 bps | |
| Loan Growth (YoY) | 5.86% | 6.78% | 10.22% | 1.98% | 4.55% | 6.10% | 1.95% | -0.48% | -246 bps | |
| Share Growth (YoY) | 1.77% | 4.65% | 9.70% | 4.19% | 5.43% | 4.17% | -0.33% | 1.90% | -230 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.00% | 0.27% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.26% | 0.26% | 0.24% | 0.16% | 0.21% | 0.22% | 0.20% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.55% | 6.92% | 7.11% | 7.05% | 7.13% | 6.71% | 6.95% | -16 bps | |
| Net Worth / Assets | 7.43% | 7.55% | 6.92% | 7.11% | 7.05% | 7.13% | 6.71% | 6.95% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.49% | 39.70% | 36.15% | 37.56% | 39.16% | 40.44% | 36.98% | 36.69% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 95.46% | 99.22% | +9,922 bps | |