Monroeville, PA · Charter 21619
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | -0.66% | -0.18% | -0.08% | 0.28% | -0.55% | -0.15% | -5.06% | -498 bps | |
| Return on Equity | 7.27% | -3.51% | -0.97% | -0.45% | 1.57% | -3.16% | -0.90% | -40.49% | -4,004 bps | |
| Net Interest Margin | 2.53% | 2.05% | 1.88% | 1.75% | 1.19% | 0.99% | 1.12% | -3.73% | -548 bps | |
| Efficiency Ratio | 40.95% | 77.69% | 109.69% | 76.77% | 76.43% | 155.37% | 113.49% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | 11.40% | 7.76% | 8.75% | 12.09% | 6.48% | 9.83% | 7.02% | -172 bps | |
| Loan Growth (YoY) | -27.16% | -31.05% | -30.42% | -29.05% | -32.77% | -31.21% | -31.11% | -35.85% | -679 bps | |
| Share Growth (YoY) | -2.35% | 15.96% | 11.72% | 11.12% | 15.72% | 7.97% | 12.19% | 15.32% | +420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.64% | 2.86% | 3.13% | 3.40% | 3.92% | 4.16% | 4.55% | 5.31% | +190 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.63% | 18.68% | 18.80% | 18.80% | 18.06% | 17.54% | 17.05% | 12.50% | -629 bps | |
| Net Worth / Assets | 20.63% | 18.68% | 18.80% | 18.80% | 18.06% | 17.54% | 17.05% | 12.50% | -629 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.15% | 52.53% | 47.80% | 43.87% | 36.11% | 33.46% | 29.35% | 24.41% | -1,947 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |