Wyomissing, PA · Charter 2531
NCUA · 2 branches
Q1 2024
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.65% | 0.61% | 0.46% | 1.02% | 0.94% | 0.83% | 0.75% | +29 bps | |
| Return on Equity | 7.18% | 8.12% | 7.37% | 5.78% | 12.09% | 10.80% | 9.84% | 8.74% | +296 bps | |
| Net Interest Margin | 3.21% | 3.27% | 3.38% | 3.51% | 3.64% | 3.70% | 3.53% | 3.66% | +15 bps | |
| Efficiency Ratio | 83.94% | 82.73% | 83.97% | 84.24% | 74.52% | 75.55% | 76.56% | 79.19% | -505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 5.49% | 2.60% | 6.62% | 6.10% | 2.09% | 7.65% | 3.69% | -293 bps | |
| Loan Growth (YoY) | 23.10% | 22.87% | 18.40% | 15.29% | 5.25% | 1.00% | 1.55% | 3.13% | -1,216 bps | |
| Share Growth (YoY) | 3.22% | 4.53% | 0.87% | 7.34% | 6.01% | 4.05% | 9.63% | 2.70% | -464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.35% | 0.56% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.31% | 0.31% | 0.34% | 0.40% | 0.00% | 0.00% | 0.00% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.05% | 8.06% | 8.21% | 7.93% | 8.41% | 8.71% | 8.46% | 8.54% | +62 bps | |
| Net Worth / Assets | 8.05% | 8.06% | 8.21% | 7.93% | 8.41% | 8.71% | 8.46% | 8.54% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.78% | 93.32% | 94.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |