Catasauqua, PA · Charter 3024
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.01% | -2.10% | -2.14% | -3.14% | -4.26% | -225 bps | |
| Return on Equity | -23.28% | -24.40% | -25.43% | -39.48% | -49.87% | -2,659 bps | |
| Net Interest Margin | 2.37% | 2.39% | 2.52% | 2.53% | 2.97% | +60 bps | |
| Efficiency Ratio | 158.30% | 159.59% | 158.13% | 183.59% | 196.41% | +3,811 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.92% | -8.10% | -11.97% | -10.00% | -28.00% | -2,208 bps | |
| Loan Growth (YoY) | -6.64% | -2.28% | 3.02% | 3.07% | -10.80% | -415 bps | |
| Share Growth (YoY) | -4.32% | -6.69% | -11.12% | -8.69% | -27.87% | -2,355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.54% | 12.38% | 11.49% | 11.17% | 12.70% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 0.97% | 0.94% | 0.97% | 1.12% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.63% | 8.60% | 8.40% | 7.95% | 8.54% | -9 bps | |
| Net Worth / Assets | 8.63% | 8.60% | 8.40% | 7.95% | 8.54% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.72% | 59.67% | 63.43% | 63.76% | 67.68% | +1,295 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |