Pittsburgh, PA · Charter 21346
Q1 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.74% | -4.19% | -4.75% | -4.84% | -5.74% | -200 bps | |
| Return on Equity | -23.26% | -27.86% | -35.19% | -39.18% | -48.48% | -2,522 bps | |
| Net Interest Margin | 0.95% | 0.91% | 0.88% | 0.93% | 0.87% | -8 bps | |
| Efficiency Ratio | 494% | 560% | 642% | 622% | 763% | +26,860 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.30% | 2.05% | 2.73% | 2.69% | -7.93% | -1,124 bps | |
| Loan Growth (YoY) | -48.27% | -48.82% | -6.15% | -7.72% | 0.34% | +4,862 bps | |
| Share Growth (YoY) | 11.17% | 9.08% | 10.14% | 9.95% | -3.26% | -1,443 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.77% | 3.98% | 2.99% | 3.46% | 3.75% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.07% | 15.04% | 13.51% | 12.35% | 11.83% | -423 bps | |
| Net Worth / Assets | 16.07% | 15.04% | 13.51% | 12.35% | 11.83% | -423 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.76% | 13.92% | 18.10% | 15.55% | 15.31% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |