Bethlehem, PA · Charter 3153
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bethlehem, PA · Charter 3153
NCUA · 1 branch
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.11% | 0.46% | 0.42% | 1.04% | -2.04% | 0.76% | -2.86% | -328 bps | |
| Return on Equity | 1.72% | 1.51% | 5.67% | 5.20% | 12.55% | -29.45% | 8.55% | -51.86% | -5,706 bps | |
| Net Interest Margin | 3.04% | 3.18% | 3.33% | 3.36% | 3.21% | 3.19% | 3.34% | 3.31% | -6 bps | |
| Efficiency Ratio | 103.34% | 99.79% | 90.22% | 89.73% | 88.78% | 72.04% | 69.76% | 153.15% | +6,342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.53% | -5.01% | -2.92% | -3.74% | -5.92% | -1.60% | -2.64% | -2.39% | +135 bps | |
| Loan Growth (YoY) | -1.58% | 0.60% | 2.94% | -0.08% | 0.19% | -5.72% | -8.88% | -12.59% | -1,251 bps | |
| Share Growth (YoY) | 0.29% | -5.42% | -3.63% | -4.62% | -6.76% | -1.08% | -3.57% | -2.72% | +190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.51% | 6.44% | 9.13% | 6.23% | 6.32% | 6.42% | 12.13% | 12.97% | +674 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 | 1.53% | 1.28% | 1.22% | 1.36% | 1.13% | 4.82% | 1.97% | 1.49% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.18% | 7.47% | 8.03% | 8.16% | 8.28% | 6.93% | 8.90% | 5.51% | -266 bps | |
| Net Worth / Assets | 7.18% | 7.47% | 8.03% | 8.16% | 8.28% | 6.93% | 8.90% | 5.51% | -266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.29% | 50.10% | 52.88% | 52.86% | 50.82% | 47.75% | 49.97% | 47.50% | -536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |