Pittsburgh, PA · Charter 22585
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Pittsburgh, PA · Charter 22585
NCUA · 1 branch
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.47% | 0.41% | 0.49% | 0.97% | +57 bps | |
| Return on Equity | 4.68% | 5.46% | 4.41% | 5.21% | 10.28% | +560 bps | |
| Net Interest Margin | 2.58% | 2.61% | 2.87% | 2.90% | 2.82% | +25 bps | |
| Efficiency Ratio | 81.60% | 81.51% | 83.63% | 81.79% | 75.13% | -646 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.15% | 6.15% | -0.17% | -2.55% | -2.81% | -996 bps | |
| Loan Growth (YoY) | 11.62% | 14.27% | 13.87% | 10.35% | 11.28% | -34 bps | |
| Share Growth (YoY) | 7.69% | 6.45% | -0.56% | -3.44% | -3.65% | -1,134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.09% | 1.74% | 1.59% | 1.77% | 1.08% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.19% | 1.06% | 1.14% | 0.85% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.53% | 8.51% | 9.23% | 9.45% | 9.40% | +86 bps | |
| Net Worth / Assets | 8.53% | 8.51% | 9.23% | 9.45% | 9.40% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.61% | 44.97% | 51.34% | 51.50% | 49.21% | +660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |