Leechburg, PA · Charter 4566
NCUA · 1 branch
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.70% | 0.16% | 0.23% | 0.26% | 0.23% | -0.14% | -0.20% | -43 bps | |
| Return on Equity | 4.57% | 4.11% | 0.97% | 1.41% | 1.59% | 1.39% | -0.85% | -1.22% | -263 bps | |
| Net Interest Margin | 2.56% | 2.48% | 1.78% | 1.76% | 1.72% | 1.68% | 1.54% | 1.66% | -10 bps | |
| Efficiency Ratio | 68.19% | 71.01% | 91.25% | 87.22% | 86.05% | 87.48% | 108.71% | 110.99% | +2,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 6.48% | 8.58% | 5.35% | 5.34% | 5.24% | 1.02% | -0.72% | -607 bps | |
| Loan Growth (YoY) | -2.73% | -7.99% | -11.81% | -13.19% | -18.85% | -18.18% | -14.48% | -9.86% | +332 bps | |
| Share Growth (YoY) | 6.90% | 6.95% | 9.82% | 5.96% | 6.09% | 5.99% | 1.05% | -0.79% | -675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.15% | 0.61% | 0.39% | 0.18% | 0.24% | 0.23% | 0.20% | -19 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 | 1.34% | 1.50% | 1.56% | 1.56% | 1.70% | 1.70% | 1.70% | 1.70% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.06% | 16.94% | 16.57% | 16.47% | 16.51% | 16.31% | 16.55% | 16.59% | +12 bps | |
| Net Worth / Assets | 17.06% | 16.94% | 16.57% | 16.47% | 16.51% | 16.31% | 16.55% | 16.59% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.65% | 52.10% | 48.66% | 45.85% | 41.80% | 40.22% | 41.19% | 41.66% | -419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |