Washington, PA · Charter 24531
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -1.06% | -0.85% | -0.31% | -1.35% | -2.26% | -2.61% | -4.10% | -378 bps | |
| Return on Equity | -13.38% | -14.97% | -13.29% | -5.27% | -23.59% | -42.42% | -57.83% | -109.62% | -10,435 bps | |
| Net Interest Margin | 5.16% | 4.28% | 3.97% | 3.77% | 3.90% | 3.03% | 3.02% | 2.99% | -79 bps | |
| Efficiency Ratio | 119.44% | 124.54% | 120.60% | 108.10% | 133.31% | 173.92% | 182.75% | 231% | +12,309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.50% | 1.21% | 5.21% | 9.23% | 11.02% | -2.48% | -7.49% | -10.37% | -1,960 bps | |
| Loan Growth (YoY) | -2.68% | -1.35% | -22.56% | -20.93% | -29.05% | -29.73% | -26.70% | -32.09% | -1,116 bps | |
| Share Growth (YoY) | 1.05% | 4.70% | 6.96% | 11.26% | 13.66% | -0.69% | -5.64% | -8.28% | -1,954 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.84% | 10.81% | 7.50% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 5.30% | 5.95% | 6.13% | 6.29% | 6.64% | 7.53% | 7.90% | 8.76% | +247 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.90% | 7.07% | 6.40% | 5.94% | 5.71% | 5.33% | 4.52% | 3.74% | -221 bps | |
| Net Worth / Assets | 7.90% | 7.07% | 6.40% | 5.94% | 5.71% | 5.33% | 4.52% | 3.74% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.47% | 50.07% | 43.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |