Pittsburgh, PA · Charter 24574
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Pittsburgh, PA · Charter 24574
NCUA · 1 branch
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.02% | 0.08% | 0.09% | 0.26% | 0.28% | -0.14% | -0.45% | -55 bps | |
| Return on Equity | 0.34% | -0.22% | 1.09% | 1.27% | 3.68% | 3.82% | -1.94% | -6.52% | -778 bps | |
| Net Interest Margin | 1.94% | 1.96% | 2.13% | 2.18% | 2.35% | 2.21% | 2.33% | 2.44% | +26 bps | |
| Efficiency Ratio | 98.81% | 100.77% | 96.33% | 95.75% | 88.97% | 88.53% | 83.03% | 91.07% | -469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.57% | 0.27% | 0.88% | -1.55% | -1.08% | -2.50% | -0.27% | -0.13% | +142 bps | |
| Loan Growth (YoY) | -16.37% | -6.60% | -0.17% | -1.85% | 3.67% | -5.29% | 0.90% | 16.93% | +1,877 bps | |
| Share Growth (YoY) | 0.36% | 0.13% | 0.85% | -1.77% | -1.32% | -2.47% | -0.23% | 0.29% | +206 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.52% | 0.86% | 1.09% | 1.50% | 1.51% | 1.56% | 0.00% | -109 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 | 0.11% | 0.11% | 0.10% | 0.11% | 0.11% | 0.11% | 1.01% | 0.00% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.95% | 6.79% | 7.21% | 7.42% | 7.18% | 7.20% | 7.16% | 6.97% | -44 bps | |
| Net Worth / Assets | 6.95% | 6.79% | 7.21% | 7.42% | 7.18% | 7.20% | 7.16% | 6.97% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.15% | 44.77% | 49.01% | 46.34% | 44.28% | 43.47% | 49.57% | 54.03% | +769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |