Downingtown, PA · Charter 24562
NCUA · 5 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Downingtown, PA · Charter 24562
NCUA · 5 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -0.50% | -0.19% | -0.10% | -0.17% | -0.53% | -0.57% | -0.86% | -76 bps | |
| Return on Equity | -7.47% | -6.51% | -2.49% | -1.36% | -2.10% | -7.35% | -8.08% | -12.74% | -1,138 bps | |
| Net Interest Margin | 2.73% | 2.71% | 2.51% | 2.55% | 2.67% | 2.56% | 2.50% | 2.42% | -14 bps | |
| Efficiency Ratio | 107.27% | 105.49% | 108.73% | 104.50% | 105.31% | 109.94% | 116.99% | 125.01% | +2,051 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.97% | -4.77% | -4.12% | -4.68% | -4.53% | -0.98% | -1.59% | -1.19% | +349 bps | |
| Loan Growth (YoY) | -11.40% | -10.55% | 8.06% | 6.24% | 6.28% | 3.38% | -17.30% | -18.29% | -2,453 bps | |
| Share Growth (YoY) | -3.61% | -4.25% | -3.98% | -5.28% | -4.52% | -0.39% | -2.47% | -0.06% | +521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.29% | 3.71% | 2.42% | 3.10% | 2.53% | 3.45% | 4.53% | 3.69% | +59 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 | 1.24% | 1.14% | 0.82% | 0.89% | 0.90% | 1.34% | 1.47% | 1.48% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.74% | 7.70% | 7.56% | 7.58% | 7.92% | 7.25% | 7.06% | 6.77% | -82 bps | |
| Net Worth / Assets | 7.74% | 7.70% | 7.56% | 7.58% | 7.92% | 7.25% | 7.06% | 6.77% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.00% | 42.68% | 49.64% | 47.32% | 47.86% | 44.29% | 42.09% | 38.69% | -863 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |