Darby, PA · Charter 23640
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Darby, PA · Charter 23640
NCUA · 2 branches
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.43% | -1.46% | 0.88% | 0.63% | -1.39% | +4 bps | |
| Return on Equity | -5.61% | -5.86% | 3.82% | 2.47% | -5.58% | +3 bps | |
| Net Interest Margin | 0.95% | 0.93% | 0.99% | 0.64% | 0.95% | 0 bps | |
| Efficiency Ratio | 250% | 253% | 13.20% | 72.69% | 246% | -402 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.02% | 6.52% | 7.44% | 10.97% | 4.88% | -313 bps | |
| Loan Growth (YoY) | 259% | -6.79% | -31.07% | -17.96% | -14.64% | -27,353 bps | |
| Share Growth (YoY) | 8.58% | 6.60% | 8.22% | 14.10% | 5.59% | -299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 2.52% | 2.74% | 4.94% | 7.59% | +759 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.66% | 5.06% | 5.93% | 8.16% | 9.44% | +378 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.47% | 24.95% | 22.95% | 25.65% | 24.90% | -57 bps | |
| Net Worth / Assets | 25.47% | 24.95% | 22.95% | 25.65% | 24.90% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.61% | 17.30% | 13.38% | 14.94% | 12.62% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |