Wyomissing, PA · Charter 2531
NCUA · 2 branches
Q1 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2024, the quarter ended March 31, 2024, 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.
Wyomissing, PA · Charter 2531
NCUA · 2 branches
Q1 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 1.02% | 0.94% | 0.83% | 0.75% | +29 bps | |
| Return on Equity | 5.78% | 12.09% | 10.80% | 9.84% | 8.74% | +296 bps | |
| Net Interest Margin | 3.51% | 3.64% | 3.70% | 3.53% | 3.66% | +15 bps | |
| Efficiency Ratio | 84.24% | 74.52% | 75.55% | 76.56% | 79.19% | -505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.62% | 6.10% | 2.09% | 7.65% | 3.69% | -293 bps | |
| Loan Growth (YoY) | 15.29% | 5.25% | 1.00% | 1.55% | 3.13% | -1,216 bps | |
| Share Growth (YoY) | 7.34% | 6.01% | 4.05% | 9.63% | 2.70% | -464 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.49% | 0.78% | 0.84% | 0.75% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.40% | 0.00% | 0.00% | 0.00% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.93% | 8.41% | 8.71% | 8.46% | 8.54% | +62 bps | |
| Net Worth / Assets | 7.93% | 8.41% | 8.71% | 8.46% | 8.54% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.04% | 87.15% | 90.58% | 87.29% | 85.40% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |