Lancaster, PA · Charter 2822
NCUA · 2 branches
Q4 2020
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.36% | -1.93% | -3.04% | -2.00% | -2.36% | +100 bps | |
| Return on Equity | -41.38% | -25.59% | -47.99% | -32.34% | -41.31% | +7 bps | |
| Net Interest Margin | 7.85% | 6.08% | 5.39% | 5.11% | 5.22% | -263 bps | |
| Efficiency Ratio | 110.65% | 130.42% | 154.39% | 137.68% | 143.03% | +3,237 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.30% | -12.75% | -10.58% | -4.54% | 0.66% | +1,096 bps | |
| Loan Growth (YoY) | -24.33% | -21.41% | -23.91% | -28.16% | -12.70% | +1,163 bps | |
| Share Growth (YoY) | -8.23% | -10.94% | -9.03% | -2.49% | 3.38% | +1,161 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.29% | 6.12% | 3.52% | 0.96% | 0.83% | -646 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.11% | 6.60% | 5.74% | 4.21% | 3.81% | -230 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.11% | 7.54% | 6.35% | 6.17% | 5.70% | -241 bps | |
| Net Worth / Assets | 8.11% | 7.54% | 6.35% | 6.17% | 5.70% | -241 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.45% | 42.97% | 38.59% | 33.95% | 39.22% | -722 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |