Elkins Park, PA · Charter 2631
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 | -0.04% | -0.39% | -0.36% | -0.21% | -0.12% | 0.07% | 0.07% | -0.02% | +19 bps | |
| Return on Equity | -0.11% | -1.05% | -0.99% | -0.57% | -0.34% | 0.18% | 0.17% | -0.06% | +51 bps | |
| Net Interest Margin | 3.00% | 2.83% | 2.75% | 2.86% | 2.87% | 2.90% | 3.05% | 3.16% | +29 bps | |
| Efficiency Ratio | 101.24% | 113.39% | 112.70% | 107.06% | 104.20% | 97.79% | 97.91% | 100.69% | -638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.05% | -9.25% | -4.38% | 3.94% | 2.02% | 0.34% | -4.37% | -7.72% | -1,166 bps | |
| Loan Growth (YoY) | -10.90% | -6.26% | 1.98% | 4.97% | 8.63% | 6.54% | -0.99% | -4.43% | -939 bps | |
| Share Growth (YoY) | -13.74% | -13.91% | -6.59% | 6.80% | 3.42% | 0.62% | -7.03% | -12.31% | -1,911 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.23% | 1.13% | 0.07% | 0.07% | 0.06% | 0.11% | 0.13% | +7 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 | 0.50% | 0.49% | 0.45% | 0.45% | 0.46% | 0.46% | 0.46% | 0.47% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.68% | 37.64% | 36.70% | 36.94% | 36.85% | 37.51% | 38.47% | 40.04% | +310 bps | |
| Net Worth / Assets | 37.68% | 37.64% | 36.70% | 36.94% | 36.85% | 37.51% | 38.47% | 40.04% | +310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 118.78% | 120.44% | 125.51% | 128.17% | 124.76% | 127.53% | 133.66% | 139.68% | +1,151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |