Pittsburgh, PA · Charter 2428
NCUA · 2 branches
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.41% | 0.19% | 0.12% | 0.01% | 0.02% | 0.14% | -0.20% | -31 bps | |
| Return on Equity | 3.16% | 3.48% | 1.61% | 1.03% | 0.07% | 0.18% | 1.16% | -1.77% | -280 bps | |
| Net Interest Margin | 2.63% | 2.74% | 2.70% | 2.41% | 2.40% | 2.40% | 2.50% | 2.45% | +4 bps | |
| Efficiency Ratio | 88.23% | 87.03% | 90.36% | 95.89% | 94.84% | 96.00% | 94.16% | 107.27% | +1,138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | -0.35% | 0.62% | 0.68% | 1.41% | 4.95% | 0.84% | 0.91% | +23 bps | |
| Loan Growth (YoY) | 14.35% | 10.74% | 3.51% | -6.63% | -6.73% | -6.45% | -0.84% | -3.80% | +283 bps | |
| Share Growth (YoY) | -3.21% | -0.94% | 0.51% | 0.55% | 1.51% | 5.70% | 0.76% | 1.50% | +95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 3.03% | 1.66% | 1.12% | 0.69% | 1.55% | 0.76% | 0.33% | -79 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 | 0.53% | 0.51% | 0.47% | 0.51% | 0.43% | 0.46% | 0.34% | 0.25% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.34% | 11.84% | 11.64% | 11.19% | 11.19% | 11.18% | 11.68% | 11.14% | -5 bps | |
| Net Worth / Assets | 11.34% | 11.84% | 11.64% | 11.19% | 11.19% | 11.18% | 11.68% | 11.14% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.22% | 33.81% | 32.73% | 29.85% | 30.52% | 29.92% | 32.21% | 28.29% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |