Monroeville, PA · Charter 24267
NCUA · 1 branch
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.30% | -0.58% | 0.08% | 0.21% | +66 bps | |
| Return on Equity | -6.37% | -4.17% | -7.86% | 1.05% | 2.85% | +922 bps | |
| Net Interest Margin | 4.32% | 4.23% | 4.26% | 4.16% | 4.22% | -10 bps | |
| Efficiency Ratio | 103.24% | 102.42% | 104.92% | 103.04% | 97.78% | -545 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.63% | 7.23% | 3.22% | 0.25% | -1.25% | -1,088 bps | |
| Loan Growth (YoY) | -9.78% | 4.89% | 7.88% | 6.70% | 26.45% | +3,623 bps | |
| Share Growth (YoY) | 11.30% | 8.22% | 4.11% | 0.33% | -1.46% | -1,277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 1.22% | 0.36% | 1.53% | 0.22% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 0.99% | 0.80% | 0.53% | 0.50% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.12% | 7.11% | 7.32% | 7.29% | 7.41% | +29 bps | |
| Net Worth / Assets | 7.12% | 7.11% | 7.32% | 7.29% | 7.41% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.19% | 74.70% | 78.95% | 76.50% | 87.51% | +1,932 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |