Pittsburgh, PA · Charter 276
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.48% | 0.22% | -0.01% | -0.03% | -0.19% | -0.49% | -0.51% | -50 bps | |
| Return on Equity | 5.51% | 3.95% | 1.87% | -0.08% | -0.23% | -1.90% | -5.00% | -5.24% | -515 bps | |
| Net Interest Margin | 3.14% | 3.10% | 2.65% | 2.36% | 2.25% | 2.09% | 1.60% | 1.56% | -81 bps | |
| Efficiency Ratio | 80.67% | 82.63% | 92.44% | 94.10% | 96.75% | 100.23% | 126.51% | 127.89% | +3,379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.86% | -1.88% | -2.42% | 5.17% | 12.53% | 17.85% | 17.03% | 9.80% | +463 bps | |
| Loan Growth (YoY) | 4.35% | -4.82% | -5.54% | -10.78% | -14.84% | -13.13% | -16.98% | -15.43% | -465 bps | |
| Share Growth (YoY) | -9.12% | -2.72% | -2.75% | 6.06% | 14.35% | 20.61% | 19.79% | 11.76% | +570 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.69% | 1.42% | 1.67% | 1.22% | 0.75% | 0.29% | 0.00% | -167 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 | 0.39% | 0.54% | 0.56% | 0.40% | 0.42% | 0.54% | 0.58% | 0.45% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.28% | 12.21% | 11.96% | 11.11% | 10.87% | 10.17% | 9.86% | 9.68% | -143 bps | |
| Net Worth / Assets | 12.28% | 12.21% | 11.96% | 11.11% | 10.87% | 10.17% | 9.86% | 9.68% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.70% | 44.33% | 42.16% | 36.93% | 34.78% | 31.93% | 29.22% | 27.94% | -899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |