Towanda, PA · Charter 23509
NCUA · 2 branches
Q4 2021
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -1.01% | 0.00% | -0.60% | -0.95% | -102 bps | |
| Return on Equity | 0.44% | -6.77% | -0.02% | -3.65% | -5.46% | -590 bps | |
| Net Interest Margin | 3.20% | 2.83% | 2.53% | 2.71% | 2.59% | -61 bps | |
| Efficiency Ratio | 78.99% | 115.12% | 88.65% | 102.51% | 109.98% | +3,098 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.45% | 14.47% | 5.27% | -5.69% | -12.19% | -2,864 bps | |
| Loan Growth (YoY) | -6.75% | -19.50% | -21.01% | -31.88% | -32.92% | -2,618 bps | |
| Share Growth (YoY) | 20.16% | 17.80% | 6.54% | -6.07% | -13.37% | -3,353 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.18% | 7.95% | 6.46% | 7.05% | 9.73% | +355 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.40% | 8.77% | 10.05% | 12.20% | 13.34% | +594 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.21% | 14.94% | 14.81% | 16.40% | 17.33% | +112 bps | |
| Net Worth / Assets | 16.21% | 14.94% | 14.81% | 16.40% | 17.33% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.08% | 33.17% | 28.98% | 29.32% | 31.03% | -905 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |