Wilkes-Barre, PA · Charter 21885
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -0.69% | -0.42% | -0.45% | -0.44% | -11 bps | |
| Return on Equity | -2.97% | -6.54% | -3.95% | -4.11% | -4.10% | -113 bps | |
| Net Interest Margin | 1.50% | 1.45% | 1.51% | 1.60% | 1.60% | +11 bps | |
| Efficiency Ratio | 117.03% | 124.88% | 117.32% | 112.23% | 114.82% | -221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.55% | -3.52% | -2.56% | -3.90% | -0.85% | +370 bps | |
| Loan Growth (YoY) | -7.33% | -8.23% | 2.63% | 5.02% | 6.47% | +1,380 bps | |
| Share Growth (YoY) | -4.70% | -3.37% | -2.06% | -3.73% | -0.44% | +425 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.24% | 0.11% | 0.81% | 0.75% | +75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.83% | 0.75% | 1.27% | 1.28% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.02% | 10.52% | 10.60% | 10.85% | 10.68% | -34 bps | |
| Net Worth / Assets | 11.02% | 10.52% | 10.60% | 10.85% | 10.68% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.07% | 19.41% | 20.89% | 22.00% | 21.47% | +140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |