Wilkes-Barre, PA · Charter 2739
NCUA · 2 branches
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.28% | 0.18% | 0.18% | 0.18% | 0.17% | 0.25% | 0.04% | -14 bps | |
| Return on Equity | 3.22% | 2.36% | 1.52% | 1.54% | 1.50% | 1.34% | 1.91% | 0.29% | -125 bps | |
| Net Interest Margin | 1.25% | 1.11% | 0.94% | 0.84% | 0.86% | 0.89% | 1.09% | 0.89% | +5 bps | |
| Efficiency Ratio | 63.56% | 70.44% | 81.03% | 80.48% | 80.67% | 82.49% | 77.73% | 95.66% | +1,518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 7.07% | 4.77% | 3.79% | 3.46% | -3.10% | -6.56% | -11.78% | -1,558 bps | |
| Loan Growth (YoY) | -10.89% | -12.68% | -14.58% | -13.49% | -7.20% | -10.41% | 11.23% | 39.24% | +5,273 bps | |
| Share Growth (YoY) | 5.37% | 8.05% | 5.66% | 4.91% | 4.99% | -2.65% | -6.96% | -12.98% | -1,789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.24% | 1.06% | 0.90% | 0.00% | 0.00% | -124 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 | 0.72% | 0.76% | 1.36% | 1.43% | 1.46% | 1.23% | 1.05% | 0.88% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 11.88% | 11.84% | 11.81% | 11.97% | 12.43% | 12.85% | 13.48% | +167 bps | |
| Net Worth / Assets | 12.25% | 11.88% | 11.84% | 11.81% | 11.97% | 12.43% | 12.85% | 13.48% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.92% | 10.10% | 9.44% | 8.90% | 8.77% | 9.29% | 11.29% | 14.24% | +534 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |