Downingtown, PA · Charter 24562
NCUA · 5 branches
Q2 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.17% | -0.53% | -0.57% | -0.86% | -76 bps | |
| Return on Equity | -1.36% | -2.10% | -7.35% | -8.08% | -12.74% | -1,138 bps | |
| Net Interest Margin | 2.55% | 2.67% | 2.56% | 2.50% | 2.42% | -14 bps | |
| Efficiency Ratio | 104.50% | 105.31% | 109.94% | 116.99% | 125.01% | +2,051 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.68% | -4.53% | -0.98% | -1.59% | -1.19% | +349 bps | |
| Loan Growth (YoY) | 6.24% | 6.28% | 3.38% | -17.30% | -18.29% | -2,453 bps | |
| Share Growth (YoY) | -5.28% | -4.52% | -0.39% | -2.47% | -0.06% | +521 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.89% | 0.90% | 1.34% | 1.47% | 1.48% | +59 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.58% | 7.92% | 7.25% | 7.06% | 6.77% | -82 bps | |
| Net Worth / Assets | 7.58% | 7.92% | 7.25% | 7.06% | 6.77% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |