Indiana, PA · Charter 24201
NCUA · 1 branch
Q4 2023
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | -1.74% | -2.53% | -2.56% | -1.94% | -225 bps | |
| Return on Equity | 2.47% | -14.37% | -22.24% | -22.60% | -16.67% | -1,914 bps | |
| Net Interest Margin | 2.72% | 2.94% | 3.17% | 3.34% | 3.66% | +94 bps | |
| Efficiency Ratio | 92.58% | 140.89% | 158.45% | 161.24% | 142.38% | +4,981 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.97% | -5.67% | -8.04% | -8.85% | -8.48% | -551 bps | |
| Loan Growth (YoY) | -2.44% | -3.17% | -3.08% | -10.35% | -10.04% | -760 bps | |
| Share Growth (YoY) | -3.84% | -6.19% | -7.73% | -8.85% | -8.80% | -495 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.22% | 0.17% | 0.22% | 0.47% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.52% | 0.67% | 0.67% | 0.69% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.45% | 12.14% | 11.38% | 11.33% | 11.66% | -79 bps | |
| Net Worth / Assets | 12.45% | 12.14% | 11.38% | 11.33% | 11.66% | -79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.32% | 64.46% | 63.11% | 66.10% | 66.40% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |