Leechburg, PA · Charter 20567
NCUA · 3 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Leechburg, PA · Charter 20567
NCUA · 3 branches
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.17% | -0.51% | -1.98% | -1.75% | -2.06% | -25.22% | -25.24% | -2,327 bps | |
| Return on Equity | 1.05% | -1.35% | -4.19% | -14.41% | -12.94% | -14.66% | -291% | -525% | -51,079 bps | |
| Net Interest Margin | 4.24% | 4.07% | 3.38% | 2.77% | 4.01% | 4.14% | 3.69% | 5.22% | +245 bps | |
| Efficiency Ratio | 96.72% | 97.60% | 115.18% | 97.63% | 109.78% | 123.05% | 385% | 297% | +19,929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.95% | 2.58% | 3.83% | -13.91% | -11.75% | -22.37% | -28.01% | -25.67% | -1,176 bps | |
| Loan Growth (YoY) | -19.96% | -20.93% | -17.12% | -18.90% | -21.04% | -25.26% | -37.16% | -41.09% | -2,218 bps | |
| Share Growth (YoY) | -1.43% | 6.74% | 8.47% | -14.47% | -11.88% | -23.70% | -25.06% | -18.35% | -388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 2.52% | 2.63% | 4.38% | 15.71% | 19.68% | 13.02% | 12.51% | +813 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.79% | 1.85% | 3.31% | 3.63% | 3.67% | 0.92% | 8.40% | +509 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.41% | 12.51% | 12.24% | 13.71% | 13.55% | 14.06% | 8.68% | 4.81% | -891 bps | |
| Net Worth / Assets | 13.41% | 12.51% | 12.24% | 13.71% | 13.55% | 14.06% | 8.68% | 4.81% | -891 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.67% | 80.67% | 77.63% | 88.81% | 81.24% | 79.03% | 65.10% | 64.08% | -2,473 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |