Jackson Center, PA · Charter 20017
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.29% | -1.00% | 0.55% | 0.51% | 0.40% | +170 bps | |
| Return on Equity | -9.88% | -7.59% | 4.06% | 3.55% | 2.73% | +1,262 bps | |
| Net Interest Margin | 1.06% | 1.00% | 0.69% | 0.86% | 0.90% | -16 bps | |
| Efficiency Ratio | 112.67% | 112.39% | 84.66% | 68.19% | 72.94% | -3,973 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.95% | -9.74% | -11.67% | -14.93% | -9.41% | +54 bps | |
| Loan Growth (YoY) | -9.76% | -11.77% | -24.29% | -22.01% | -22.73% | -1,297 bps | |
| Share Growth (YoY) | -10.41% | -10.15% | -12.51% | -16.40% | -11.06% | -65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.90% | 6.54% | 7.08% | 7.27% | 7.63% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.11% | 7.88% | 7.58% | 7.78% | 8.17% | +105 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.07% | 13.24% | 13.49% | 14.22% | 14.77% | +169 bps | |
| Net Worth / Assets | 13.07% | 13.24% | 13.49% | 14.22% | 14.77% | +169 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.55% | 14.25% | 13.24% | 13.61% | 13.51% | -204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |