Sharon Hill, PA · Charter 23169
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Sharon Hill, PA · Charter 23169
NCUA · 1 branch
Q3 2016
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 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | 0.25% | 0.62% | -1.54% | -1.39% | -4.25% | -8.97% | -1.82% | -28 bps | |
| Return on Equity | -9.20% | 3.23% | 7.71% | -22.06% | -16.70% | -75.50% | -263% | -86.80% | -6,474 bps | |
| Net Interest Margin | 1.55% | 0.79% | 0.32% | 0.64% | 0.92% | 1.67% | 1.93% | 0.71% | +7 bps | |
| Efficiency Ratio | 129.01% | 81.35% | 72.55% | 166.75% | 156.73% | 344% | 259% | 173.73% | +697 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.49% | -16.06% | 3.60% | -1.02% | -3.44% | -0.01% | -15.53% | -13.08% | -1,207 bps | |
| Loan Growth (YoY) | -55.64% | -58.18% | -68.57% | -39.63% | 132.75% | 281% | 467% | 192.97% | +23,260 bps | |
| Share Growth (YoY) | -19.40% | -16.44% | 3.72% | -1.04% | -2.32% | 2.43% | -11.23% | -8.53% | -748 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.22% | 32.62% | 37.51% | 22.38% | 7.41% | 6.13% | 2.99% | 3.43% | -1,896 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 | 10.83% | 14.46% | 24.63% | 14.31% | 4.65% | 3.79% | 4.34% | 4.89% | -943 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.36% | 7.88% | 8.10% | 6.98% | 8.31% | 5.64% | 3.41% | 2.10% | -488 bps | |
| Net Worth / Assets | 9.36% | 7.88% | 8.10% | 6.98% | 8.31% | 5.64% | 3.41% | 2.10% | -488 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.25% | 6.92% | 4.06% | 7.20% | 26.80% | 25.77% | 25.90% | 23.08% | +1,587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |