Pittsburgh, PA · Charter 4233
NCUA · 2 branches
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 1.00% | 1.65% | -0.16% | -0.13% | 0.39% | 0.22% | 0.20% | +36 bps | |
| Return on Equity | 5.24% | 13.11% | 19.16% | -2.11% | -1.71% | 5.11% | 2.83% | 2.36% | +447 bps | |
| Net Interest Margin | 3.61% | 4.23% | 5.24% | 4.75% | 4.69% | 3.58% | 3.85% | 4.17% | -58 bps | |
| Efficiency Ratio | 88.05% | 80.93% | 72.42% | 80.70% | 84.34% | 91.47% | 92.19% | 92.07% | +1,137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -2.54% | -10.01% | -5.74% | -7.64% | -6.22% | -2.42% | -12.31% | -656 bps | |
| Loan Growth (YoY) | 22.67% | 33.44% | 31.25% | 22.82% | 6.51% | 7.12% | 4.98% | 1.95% | -2,087 bps | |
| Share Growth (YoY) | 0.71% | -2.11% | -10.39% | -5.22% | -6.87% | -6.53% | -2.19% | -14.10% | -889 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.72% | 3.10% | 3.80% | 1.41% | 0.52% | 0.46% | 0.67% | -313 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 | 0.97% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.27% | 7.60% | 8.61% | 7.48% | 7.57% | 7.64% | 7.78% | 8.49% | +100 bps | |
| Net Worth / Assets | 7.27% | 7.60% | 8.61% | 7.48% | 7.57% | 7.64% | 7.78% | 8.49% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.77% | 45.63% | 50.70% | 50.81% | 51.21% | 52.29% | 54.41% | 60.30% | +950 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |