Pittsburgh, PA · Charter 4000
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.32% | -0.41% | 0.53% | 0.28% | 0.15% | 0.01% | -2.09% | -262 bps | |
| Return on Equity | -1.66% | -3.69% | -4.81% | 6.19% | 3.12% | 1.57% | 0.10% | -21.59% | -2,778 bps | |
| Net Interest Margin | 2.14% | 2.13% | 2.15% | 1.94% | 2.01% | 2.16% | 2.27% | 2.25% | +31 bps | |
| Efficiency Ratio | 98.06% | 101.37% | 104.53% | 94.55% | 94.03% | 95.94% | 91.93% | 127.97% | +3,343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.44% | -11.45% | -12.49% | -7.94% | -6.36% | -8.57% | -9.72% | -17.79% | -985 bps | |
| Loan Growth (YoY) | 1.68% | 4.74% | 6.23% | 8.90% | 11.97% | 11.50% | -1.11% | -2.00% | -1,090 bps | |
| Share Growth (YoY) | -6.96% | -12.23% | -13.53% | -8.76% | -6.85% | -9.80% | -10.70% | -18.90% | -1,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.56% | 1.09% | 0.57% | 0.53% | 0.79% | 1.23% | 1.31% | +74 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 | 0.53% | 0.79% | 0.90% | 0.68% | 0.53% | 0.62% | 1.02% | 1.96% | +128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.57% | 8.61% | 8.55% | 8.51% | 8.95% | 9.34% | 9.48% | 9.68% | +117 bps | |
| Net Worth / Assets | 8.57% | 8.61% | 8.55% | 8.51% | 8.95% | 9.34% | 9.48% | 9.68% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.34% | 27.81% | 30.13% | 27.85% | 30.46% | 34.38% | 33.36% | 33.66% | +581 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |