Sharon Hill, PA · Charter 23169
NCUA · 1 branch
Q3 2016
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.54% | -1.39% | -4.25% | -8.97% | -1.82% | -28 bps | |
| Return on Equity | -22.06% | -16.70% | -75.50% | -263% | -86.80% | -6,474 bps | |
| Net Interest Margin | 0.64% | 0.92% | 1.67% | 1.93% | 0.71% | +7 bps | |
| Efficiency Ratio | 166.75% | 156.73% | 344% | 259% | 173.73% | +697 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.02% | -3.44% | -0.01% | -15.53% | -13.08% | -1,207 bps | |
| Loan Growth (YoY) | -39.63% | 132.75% | 281% | 467% | 192.97% | +23,260 bps | |
| Share Growth (YoY) | -1.04% | -2.32% | 2.43% | -11.23% | -8.53% | -748 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 14.31% | 4.65% | 3.79% | 4.34% | 4.89% | -943 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.98% | 8.31% | 5.64% | 3.41% | 2.10% | -488 bps | |
| Net Worth / Assets | 6.98% | 8.31% | 5.64% | 3.41% | 2.10% | -488 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |