Chester, PA · Charter 24016
NCUA · 1 branch
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.14% | -4.85% | -3.31% | -4.45% | -74.73% | -28.80% | -19.23% | -14.31% | -986 bps | |
| Return on Equity | -21.48% | -26.28% | -16.30% | -19.80% | -723% | -202% | -134.59% | -101.12% | -8,132 bps | |
| Net Interest Margin | 0.30% | 0.30% | 0.46% | 0.63% | 4.09% | 2.04% | 1.39% | 1.02% | +40 bps | |
| Efficiency Ratio | 1502% | 1697% | 819% | 811% | 1926% | 320% | 313% | 317% | -49,441 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | -3.05% | -14.18% | -24.66% | -41.63% | -39.14% | -33.79% | -21.03% | +362 bps | |
| Loan Growth (YoY) | -6.81% | 46.72% | 123.26% | 62.17% | -36.60% | -58.65% | -70.24% | -68.53% | -13,070 bps | |
| Share Growth (YoY) | 2.48% | -1.36% | -14.45% | -26.72% | -35.17% | -35.98% | -28.81% | -12.55% | +1,418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 49.19% | 33.22% | 37.67% | 43.05% | 89.58% | 15.64% | 96.13% | 99.18% | +5,613 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 | 29.40% | 20.58% | 15.41% | 16.72% | 0.00% | 54.26% | 56.43% | 59.61% | +4,290 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.26% | 18.45% | 20.29% | 22.48% | 10.34% | 14.22% | 14.28% | 14.15% | -833 bps | |
| Net Worth / Assets | 19.26% | 18.45% | 20.29% | 22.48% | 10.34% | 14.22% | 14.28% | 14.15% | -833 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.11% | 13.25% | 19.75% | 22.14% | 8.91% | 8.56% | 8.26% | 7.97% | -1,417 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |