Duryea, PA · Charter 22534
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.46% | 0.32% | 0.30% | 0.25% | 0.18% | -0.32% | -0.22% | -0.44% | -68 bps | |
| Return on Equity | -30.98% | 6.77% | 6.09% | 4.83% | 3.44% | -6.83% | -4.52% | -9.34% | -1,416 bps | |
| Net Interest Margin | 3.81% | 3.92% | 3.96% | 4.07% | 4.09% | 3.69% | 3.82% | 3.66% | -41 bps | |
| Efficiency Ratio | 104.82% | 93.19% | 94.09% | 95.25% | 96.61% | 106.88% | 104.41% | 108.59% | +1,334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.22% | -8.24% | -4.97% | -5.42% | -4.72% | 2.12% | -0.35% | 1.87% | +729 bps | |
| Loan Growth (YoY) | -0.81% | -0.11% | -4.03% | 0.10% | 6.59% | 9.76% | 13.46% | 5.86% | +577 bps | |
| Share Growth (YoY) | -7.10% | -8.16% | -5.01% | -5.48% | -5.11% | 2.24% | -0.26% | 2.33% | +781 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.65% | 1.46% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.27% | 0.94% | 0.92% | 0.76% | 0.77% | 0.72% | 0.09% | -83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.71% | 4.79% | 4.89% | 5.10% | 5.12% | 4.69% | 4.82% | 4.67% | -43 bps | |
| Net Worth / Assets | 4.71% | 4.79% | 4.89% | 5.10% | 5.12% | 4.69% | 4.82% | 4.67% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.68% | 61.68% | 62.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |