Pittsburgh, PA · Charter 24594
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 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 24594
NCUA · 1 branch
Q3 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | 0.12% | -0.63% | -0.33% | -0.30% | 0.45% | -0.06% | 0.15% | +48 bps | |
| Return on Equity | -3.92% | 1.23% | -6.44% | -3.33% | -3.17% | 5.00% | -0.75% | 1.78% | +511 bps | |
| Net Interest Margin | 1.96% | 2.28% | 1.56% | 1.79% | 1.70% | 2.22% | 1.95% | 1.93% | +14 bps | |
| Efficiency Ratio | 113.67% | 70.20% | 110.88% | 101.13% | 104.22% | 79.66% | 82.97% | 79.96% | -2,117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.53% | 2.65% | -3.89% | -5.35% | -0.78% | 3.69% | 11.96% | 18.46% | +2,382 bps | |
| Loan Growth (YoY) | -3.45% | -6.45% | -14.33% | -12.16% | -9.62% | -16.02% | -18.86% | -11.76% | +40 bps | |
| Share Growth (YoY) | 7.76% | 3.22% | -3.89% | -5.62% | -0.37% | 4.38% | 13.49% | 20.59% | +2,621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.32% | 15.73% | 7.13% | 6.31% | 5.37% | 6.84% | 6.78% | 4.61% | -170 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 | 3.54% | 4.49% | 2.21% | 2.38% | 1.96% | 2.65% | 4.42% | 4.20% | +182 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.74% | 9.82% | 10.01% | 9.34% | 9.07% | 8.60% | 8.39% | -162 bps | |
| Net Worth / Assets | 9.70% | 9.74% | 9.82% | 10.01% | 9.34% | 9.07% | 8.60% | 8.39% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.65% | 27.20% | 26.45% | 27.49% | 25.99% | 21.88% | 18.91% | 20.11% | -737 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |