Duryea, PA · Charter 22534
NCUA · 1 branch
Q3 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.18% | -0.32% | -0.22% | -0.44% | -68 bps | |
| Return on Equity | 4.83% | 3.44% | -6.83% | -4.52% | -9.34% | -1,416 bps | |
| Net Interest Margin | 4.07% | 4.09% | 3.69% | 3.82% | 3.66% | -41 bps | |
| Efficiency Ratio | 95.25% | 96.61% | 106.88% | 104.41% | 108.59% | +1,334 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.42% | -4.72% | 2.12% | -0.35% | 1.87% | +729 bps | |
| Loan Growth (YoY) | 0.10% | 6.59% | 9.76% | 13.46% | 5.86% | +577 bps | |
| Share Growth (YoY) | -5.48% | -5.11% | 2.24% | -0.26% | 2.33% | +781 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 1.71% | 3.12% | 2.98% | 2.51% | +89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.76% | 0.77% | 0.72% | 0.09% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.10% | 5.12% | 4.69% | 4.82% | 4.67% | -43 bps | |
| Net Worth / Assets | 5.10% | 5.12% | 4.69% | 4.82% | 4.67% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.26% | 71.54% | 66.22% | 70.66% | 70.61% | +235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |