Washington, PA · Charter 24531
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 | -0.31% | -1.35% | -2.26% | -2.61% | -4.10% | -378 bps | |
| Return on Equity | -5.27% | -23.59% | -42.42% | -57.83% | -109.62% | -10,435 bps | |
| Net Interest Margin | 3.77% | 3.90% | 3.03% | 3.02% | 2.99% | -79 bps | |
| Efficiency Ratio | 108.10% | 133.31% | 173.92% | 182.75% | 231% | +12,309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.23% | 11.02% | -2.48% | -7.49% | -10.37% | -1,960 bps | |
| Loan Growth (YoY) | -20.93% | -29.05% | -29.73% | -26.70% | -32.09% | -1,116 bps | |
| Share Growth (YoY) | 11.26% | 13.66% | -0.69% | -5.64% | -8.28% | -1,954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.84% | 7.32% | 12.21% | 6.72% | 18.87% | +1,103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.29% | 6.64% | 7.53% | 7.90% | 8.76% | +247 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.94% | 5.71% | 5.33% | 4.52% | 3.74% | -221 bps | |
| Net Worth / Assets | 5.94% | 5.71% | 5.33% | 4.52% | 3.74% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.23% | 39.00% | 35.43% | 33.56% | 30.53% | -1,070 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |