Pittsburgh, PA · Charter 3838
NCUA · 1 branch
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.36% | -3.31% | -1.36% | -7.33% | 0.97% | +933 bps | |
| Return on Equity | -135.60% | -49.80% | -18.92% | -527% | 59.09% | +19,469 bps | |
| Net Interest Margin | 5.52% | 5.69% | 5.45% | 5.75% | 5.43% | -8 bps | |
| Efficiency Ratio | 59.26% | 54.63% | 55.04% | 58.52% | 82.83% | +2,356 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.78% | -6.19% | -3.63% | -9.39% | -5.83% | +196 bps | |
| Loan Growth (YoY) | -2.41% | -7.93% | -7.69% | -9.60% | -10.29% | -787 bps | |
| Share Growth (YoY) | -4.71% | -3.88% | -2.59% | -3.03% | -1.27% | +344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.66% | 5.74% | 8.77% | 9.39% | 8.21% | +354 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.21% | 5.79% | 5.67% | 12.34% | 10.66% | +545 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.16% | 6.65% | 7.19% | 1.39% | 1.64% | -453 bps | |
| Net Worth / Assets | 6.16% | 6.65% | 7.19% | 1.39% | 1.64% | -453 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.72% | 99.76% | 98.46% | 95.04% | 94.25% | -947 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |