Pittsburgh, PA · Charter 3838
NCUA · 1 branch
Q1 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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -2.84% | -1.49% | -8.36% | -3.31% | -1.36% | -7.33% | 0.97% | +933 bps | |
| Return on Equity | -12.11% | -39.12% | -18.91% | -135.60% | -49.80% | -18.92% | -527% | 59.09% | +19,469 bps | |
| Net Interest Margin | 5.63% | 5.63% | 5.60% | 5.52% | 5.69% | 5.45% | 5.75% | 5.43% | -8 bps | |
| Efficiency Ratio | 50.79% | 51.30% | 52.34% | 59.26% | 54.63% | 55.04% | 58.52% | 82.83% | +2,356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | -4.11% | -5.60% | -7.78% | -6.19% | -3.63% | -9.39% | -5.83% | +196 bps | |
| Loan Growth (YoY) | -0.73% | -1.91% | -5.75% | -2.41% | -7.93% | -7.69% | -9.60% | -10.29% | -787 bps | |
| Share Growth (YoY) | -3.35% | -4.12% | -3.59% | -4.71% | -3.88% | -2.59% | -3.03% | -1.27% | +344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.74% | 4.80% | 6.71% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.36% | 4.32% | 4.39% | 5.21% | 5.79% | 5.67% | 12.34% | 10.66% | +545 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 7.27% | 7.90% | 6.16% | 6.65% | 7.19% | 1.39% | 1.64% | -453 bps | |
| Net Worth / Assets | 8.74% | 7.27% | 7.90% | 6.16% | 6.65% | 7.19% | 1.39% | 1.64% | -453 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.15% | 103.90% | 101.94% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |