Carlisle, PA · Charter 21789
NCUA · 4 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.43% | 0.20% | 0.25% | 0.24% | 0.23% | -0.05% | 0.02% | -23 bps | |
| Return on Equity | 4.10% | 4.25% | 1.94% | 2.41% | 2.34% | 2.22% | -0.48% | 0.15% | -226 bps | |
| Net Interest Margin | 2.80% | 2.67% | 2.69% | 2.64% | 2.64% | 2.68% | 2.59% | 2.61% | -3 bps | |
| Efficiency Ratio | 86.78% | 86.77% | 91.14% | 90.85% | 91.41% | 91.17% | 98.25% | 95.47% | +462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 6.01% | 3.90% | 2.55% | 5.20% | 0.51% | 3.42% | 4.06% | +151 bps | |
| Loan Growth (YoY) | -1.86% | -5.56% | -6.55% | -5.89% | -2.31% | -2.49% | -2.89% | -4.15% | +174 bps | |
| Share Growth (YoY) | 2.17% | 6.75% | 3.90% | 2.38% | 5.60% | 0.31% | 3.88% | 4.68% | +230 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.70% | 0.90% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.34% | 0.26% | 0.26% | 0.22% | 0.26% | 0.27% | 0.34% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.40% | 10.07% | 10.06% | 10.25% | 10.18% | 10.24% | 9.88% | 9.96% | -29 bps | |
| Net Worth / Assets | 10.40% | 10.07% | 10.06% | 10.25% | 10.18% | 10.24% | 9.88% | 9.96% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.87% | 66.52% | 64.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |