State College, PA · Charter 19483
NCUA · 2 branches
Q3 2020
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.09% | 1.08% | 1.02% | 0.83% | -31 bps | |
| Return on Equity | 11.55% | 10.86% | 10.85% | 10.77% | 9.00% | -255 bps | |
| Net Interest Margin | 3.23% | 3.22% | 3.01% | 2.81% | 2.63% | -60 bps | |
| Efficiency Ratio | 68.53% | 68.99% | 78.11% | 75.03% | 77.20% | +868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.94% | 2.34% | 2.03% | 10.05% | 17.25% | +1,819 bps | |
| Loan Growth (YoY) | 3.63% | 2.06% | -2.56% | -4.63% | -9.49% | -1,312 bps | |
| Share Growth (YoY) | -2.24% | 1.35% | 0.86% | 9.87% | 18.06% | +2,030 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.13% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.68% | 0.53% | 0.45% | 0.46% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.85% | 10.02% | 9.97% | 9.48% | 9.23% | -62 bps | |
| Net Worth / Assets | 9.85% | 10.02% | 9.97% | 9.48% | 9.23% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.33% | 70.27% | 65.71% | 59.52% | 53.92% | -1,641 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |