Altoona, PA · Charter 20378
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Altoona, PA · Charter 20378
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.25% | -0.04% | 0.03% | -0.25% | -35 bps | |
| Return on Equity | 1.13% | -2.89% | -0.48% | 0.33% | -2.88% | -400 bps | |
| Net Interest Margin | 2.02% | 2.04% | 2.05% | 2.13% | 1.95% | -7 bps | |
| Efficiency Ratio | 96.17% | 98.06% | 95.75% | 92.07% | 109.94% | +1,377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.86% | 6.25% | 3.80% | 5.12% | 0.60% | -327 bps | |
| Loan Growth (YoY) | -9.66% | -10.46% | -10.95% | -7.92% | -8.98% | +68 bps | |
| Share Growth (YoY) | 4.08% | 6.90% | 4.03% | 5.62% | 0.71% | -337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.14% | 0.07% | 0.19% | 0.12% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.12% | 0.53% | 0.58% | 0.51% | 0.54% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.91% | 8.75% | 8.93% | 9.13% | 8.79% | -11 bps | |
| Net Worth / Assets | 8.91% | 8.75% | 8.93% | 9.13% | 8.79% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.78% | 42.23% | 41.59% | 42.24% | 38.66% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |