Easton, PA · Charter 20476
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -0.94% | -0.85% | -0.74% | -0.70% | -20 bps | |
| Return on Equity | -5.47% | -10.02% | -9.13% | -7.97% | -7.63% | -216 bps | |
| Net Interest Margin | 0.96% | 1.03% | 0.95% | 0.91% | 0.96% | +1 bps | |
| Efficiency Ratio | 146.21% | 149.40% | 179.90% | 189.03% | 175.92% | +2,971 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.60% | -7.21% | -8.56% | -9.32% | -10.30% | -1,090 bps | |
| Loan Growth (YoY) | -13.22% | -11.03% | -19.34% | -11.78% | -17.65% | -443 bps | |
| Share Growth (YoY) | 1.40% | -7.00% | -8.33% | -9.26% | -10.20% | -1,159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 0.08% | 0.06% | 0.00% | 3.04% | +121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.74% | 1.87% | 1.49% | 1.66% | +48 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.26% | 9.37% | 9.31% | 9.25% | 9.24% | -2 bps | |
| Net Worth / Assets | 9.26% | 9.37% | 9.31% | 9.25% | 9.24% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.99% | 18.24% | 17.15% | 18.11% | 16.50% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |