Indiana, PA · Charter 24201
NCUA · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | 1.29% | 0.62% | 0.31% | -1.74% | -2.53% | -2.56% | -1.94% | -225 bps | |
| Return on Equity | -7.67% | 10.75% | 5.01% | 2.47% | -14.37% | -22.24% | -22.60% | -16.67% | -1,914 bps | |
| Net Interest Margin | 2.40% | 2.39% | 2.47% | 2.72% | 2.94% | 3.17% | 3.34% | 3.66% | +94 bps | |
| Efficiency Ratio | 134.32% | 73.41% | 85.47% | 92.58% | 140.89% | 158.45% | 161.24% | 142.38% | +4,981 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.34% | -1.90% | -2.84% | -2.97% | -5.67% | -8.04% | -8.85% | -8.48% | -551 bps | |
| Loan Growth (YoY) | -13.27% | -11.52% | -0.56% | -2.44% | -3.17% | -3.08% | -10.35% | -10.04% | -760 bps | |
| Share Growth (YoY) | -3.74% | -2.94% | -3.80% | -3.84% | -6.19% | -7.73% | -8.85% | -8.80% | -495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.55% | 0.43% | 0.44% | 0.52% | 0.67% | 0.67% | 0.69% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.35% | 11.98% | 12.28% | 12.45% | 12.14% | 11.38% | 11.33% | 11.66% | -79 bps | |
| Net Worth / Assets | 11.35% | 11.98% | 12.28% | 12.45% | 12.14% | 11.38% | 11.33% | 11.66% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.46% | 60.08% | 67.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |