Carlisle, PA · Charter 21789
NCUA · 4 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Carlisle, PA · Charter 21789
NCUA · 4 branches
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.24% | 0.23% | -0.05% | 0.02% | -23 bps | |
| Return on Equity | 2.41% | 2.34% | 2.22% | -0.48% | 0.15% | -226 bps | |
| Net Interest Margin | 2.64% | 2.64% | 2.68% | 2.59% | 2.61% | -3 bps | |
| Efficiency Ratio | 90.85% | 91.41% | 91.17% | 98.25% | 95.47% | +462 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 5.20% | 0.51% | 3.42% | 4.06% | +151 bps | |
| Loan Growth (YoY) | -5.89% | -2.31% | -2.49% | -2.89% | -4.15% | +174 bps | |
| Share Growth (YoY) | 2.38% | 5.60% | 0.31% | 3.88% | 4.68% | +230 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.10% | 0.66% | 1.33% | 1.41% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.22% | 0.26% | 0.27% | 0.34% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.25% | 10.18% | 10.24% | 9.88% | 9.96% | -29 bps | |
| Net Worth / Assets | 10.25% | 10.18% | 10.24% | 9.88% | 9.96% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.88% | 65.56% | 64.67% | 60.09% | 59.41% | -547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |