Waynesboro, PA · Charter 18847
NCUA · 1 branch
Q4 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.48% | -0.57% | -0.62% | -0.43% | -0.27% | +122 bps | |
| Return on Equity | -23.74% | -9.80% | -10.57% | -7.15% | -4.49% | +1,925 bps | |
| Net Interest Margin | 2.54% | 2.47% | 2.54% | 2.65% | 2.60% | +6 bps | |
| Efficiency Ratio | 111.54% | 106.92% | 104.93% | 103.43% | 101.06% | -1,048 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.94% | 2.24% | 2.59% | 0.97% | 0.80% | +374 bps | |
| Loan Growth (YoY) | -12.26% | -11.39% | -7.03% | -6.10% | -7.60% | +465 bps | |
| Share Growth (YoY) | -1.60% | 4.12% | 4.71% | 2.46% | 1.15% | +275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.75% | 2.83% | 1.64% | 2.27% | 2.20% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.51% | 1.59% | 1.81% | 1.94% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.24% | 5.85% | 5.84% | 6.04% | 5.93% | -32 bps | |
| Net Worth / Assets | 6.24% | 5.85% | 5.84% | 6.04% | 5.93% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.77% | 31.90% | 34.08% | 34.79% | 31.76% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |