Wellsboro, PA · Charter 23369
NCUA · 1 branch
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.38% | -0.29% | 0.06% | -0.02% | -0.18% | -0.07% | -1.69% | -175 bps | |
| Return on Equity | -3.54% | -4.94% | -3.70% | 0.72% | -0.29% | -2.21% | -0.90% | -22.86% | -2,358 bps | |
| Net Interest Margin | 1.74% | 1.75% | 1.78% | 1.66% | 1.69% | 1.78% | 1.72% | 1.66% | 0 bps | |
| Efficiency Ratio | 100.08% | 98.08% | 98.51% | 96.82% | 100.79% | 96.28% | 94.37% | 57.64% | -3,918 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 6.50% | 5.79% | 7.50% | -1.07% | -5.23% | -0.12% | -1.38% | -889 bps | |
| Loan Growth (YoY) | -2.71% | -4.26% | -8.57% | -8.61% | -10.59% | -5.70% | -4.72% | -7.72% | +89 bps | |
| Share Growth (YoY) | 3.21% | 7.50% | 6.61% | 8.45% | -0.90% | -5.73% | -0.02% | -1.01% | -946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 0.64% | 0.57% | 1.41% | 3.53% | 4.02% | 6.88% | 6.11% | +470 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 10.54% | n/a | 13.03% | n/a | n/a | n/a | |
| Allowance / Loans | 0.47% | 0.74% | 0.95% | 0.99% | 0.98% | 1.01% | 1.01% | 1.56% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.08% | 7.69% | 7.87% | 7.80% | 7.91% | 8.11% | 7.81% | 7.40% | -40 bps | |
| Net Worth / Assets | 8.08% | 7.69% | 7.87% | 7.80% | 7.91% | 8.11% | 7.81% | 7.40% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.98% | 29.81% | 30.51% | 29.26% | 29.76% | 29.82% | 29.07% | 27.28% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |