Wyoming, PA · Charter 21345
NCUA · 2 branches
Q3 2023
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.03% | 0.03% | 0.08% | 0.19% | 0.09% | -0.16% | -0.01% | -9 bps | |
| Return on Equity | 3.11% | 0.35% | 0.31% | 0.97% | 2.28% | 1.03% | -1.98% | -0.08% | -105 bps | |
| Net Interest Margin | 0.99% | 0.86% | 0.79% | 0.85% | 0.98% | 0.91% | 1.24% | 1.27% | +42 bps | |
| Efficiency Ratio | 75.97% | 96.74% | 97.16% | 91.37% | 81.47% | 90.94% | 113.08% | 95.98% | +461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.29% | 2.73% | 0.92% | -0.34% | 0.99% | 1.30% | 0.47% | -1.47% | -113 bps | |
| Loan Growth (YoY) | 5.84% | 23.23% | 5.96% | 4.79% | 27.88% | 113.90% | 172.14% | 216% | +21,120 bps | |
| Share Growth (YoY) | 6.61% | 3.37% | 1.98% | -0.27% | 1.97% | 2.12% | 0.69% | -1.97% | -170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.42% | 1.17% | 0.52% | +52 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 | 1.85% | 1.70% | 1.74% | 1.62% | 1.45% | 0.80% | 0.64% | 0.00% | -162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.30% | 8.21% | 8.28% | 8.21% | 8.41% | 8.31% | 8.34% | 8.46% | +25 bps | |
| Net Worth / Assets | 8.30% | 8.21% | 8.28% | 8.21% | 8.41% | 8.31% | 8.34% | 8.46% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.19% | 3.41% | 3.34% | 3.55% | 4.00% | 7.14% | 9.03% | 11.43% | +789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |