Arnold, PA · Charter 400
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Arnold, PA · Charter 400
NCUA · 1 branch
Q1 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | -0.43% | -0.46% | -0.34% | -0.44% | -29 bps | |
| Return on Equity | -2.51% | -6.81% | -7.03% | -5.52% | -7.31% | -480 bps | |
| Net Interest Margin | 3.93% | 4.08% | 4.28% | 4.11% | 4.16% | +24 bps | |
| Efficiency Ratio | 97.44% | 104.17% | 106.02% | 104.76% | 109.38% | +1,194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.06% | -10.00% | -10.11% | -1.03% | -3.92% | -1,199 bps | |
| Loan Growth (YoY) | -1.76% | 0.66% | 2.46% | 7.13% | 0.40% | +215 bps | |
| Share Growth (YoY) | 12.73% | -7.95% | -8.21% | -0.74% | -3.78% | -1,651 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 1.21% | 3.31% | 4.51% | 1.11% | +77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 2.46% | 2.52% | 2.46% | 2.83% | +51 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.19% | 6.36% | 6.54% | 6.23% | 6.03% | -16 bps | |
| Net Worth / Assets | 6.19% | 6.36% | 6.54% | 6.23% | 6.03% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.06% | 63.45% | 67.19% | 67.61% | 62.67% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |