Monessen, PA · Charter 3886
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.73% | 0.62% | 0.58% | 0.43% | -34 bps | |
| Return on Equity | 4.29% | 4.07% | 3.39% | 3.20% | 2.22% | -207 bps | |
| Net Interest Margin | 1.77% | 1.72% | 1.64% | 1.41% | 1.39% | -39 bps | |
| Efficiency Ratio | 56.52% | 57.66% | 62.47% | 57.74% | 68.25% | +1,173 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.49% | 3.69% | 3.22% | 2.35% | -5.36% | -984 bps | |
| Loan Growth (YoY) | -5.00% | -7.55% | -10.20% | -5.86% | -10.12% | -512 bps | |
| Share Growth (YoY) | 5.12% | 4.14% | 3.16% | 2.19% | -7.06% | -1,218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.61% | 9.45% | 10.33% | 11.56% | 11.63% | +402 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.39% | 2.50% | 2.47% | 2.59% | 2.71% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.99% | 18.01% | 18.20% | 18.19% | 19.47% | +148 bps | |
| Net Worth / Assets | 17.99% | 18.01% | 18.20% | 18.19% | 19.47% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.25% | 39.81% | 39.34% | 38.27% | 39.89% | -136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |