Radnor, PA · Charter 4570
NCUA · 1 branch
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.10% | 0.33% | 0.31% | 0.23% | 0.17% | -0.01% | 0.00% | -31 bps | |
| Return on Equity | 0.70% | 0.74% | 2.44% | 2.35% | 1.75% | 1.29% | -0.11% | 0.00% | -236 bps | |
| Net Interest Margin | 3.92% | 4.00% | 4.00% | 3.97% | 4.15% | 4.09% | 3.93% | 3.89% | -9 bps | |
| Efficiency Ratio | 97.79% | 97.59% | 96.02% | 95.32% | 94.74% | 96.04% | 98.41% | 98.55% | +323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | -0.49% | 0.35% | 0.61% | -0.68% | 3.75% | 4.38% | 2.42% | +181 bps | |
| Loan Growth (YoY) | 27.23% | 2.38% | 2.46% | 3.53% | 10.90% | 13.10% | -9.77% | -6.77% | -1,030 bps | |
| Share Growth (YoY) | 1.14% | -0.73% | 0.07% | 0.30% | -1.18% | 3.93% | 4.96% | 2.88% | +258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.11% | 0.90% | 1.49% | 2.36% | 3.73% | 2.32% | 2.56% | +107 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 | 2.46% | 2.61% | 2.02% | 2.02% | 2.00% | 2.09% | 2.39% | 1.30% | -72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.89% | 13.38% | 13.52% | 13.34% | 13.33% | 13.24% | 13.02% | 13.03% | -32 bps | |
| Net Worth / Assets | 12.89% | 13.38% | 13.52% | 13.34% | 13.33% | 13.24% | 13.02% | 13.03% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.13% | 53.11% | 61.51% | 60.34% | 60.74% | 57.79% | 52.87% | 54.68% | -566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |