Greensburg, PA · Charter 4806
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Greensburg, PA · Charter 4806
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 | 1.61% | 1.09% | -0.06% | -0.35% | -0.57% | 0.08% | -1.58% | -2.64% | -229 bps | |
| Return on Equity | 3.48% | 2.33% | -0.13% | -0.75% | -1.23% | 0.16% | -3.44% | -5.86% | -511 bps | |
| Net Interest Margin | 2.70% | 2.63% | 2.67% | 2.71% | 2.60% | 2.62% | 2.65% | 2.68% | -2 bps | |
| Efficiency Ratio | 108.33% | 119.10% | 120.76% | 126.23% | 120.22% | 124.99% | 128.90% | 177.22% | +5,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.66% | -7.27% | -6.52% | -3.71% | -2.23% | 0.02% | -0.38% | -1.16% | +255 bps | |
| Loan Growth (YoY) | -3.26% | -6.42% | -8.12% | -5.23% | -0.10% | -3.80% | -7.46% | -10.52% | -529 bps | |
| Share Growth (YoY) | -15.31% | -13.15% | -5.23% | -3.79% | -2.56% | 1.66% | 2.09% | 1.94% | +573 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.03% | 4.48% | 1.83% | 2.52% | 3.09% | 3.11% | 2.28% | 2.17% | -35 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 | 2.45% | 1.19% | 1.63% | 1.75% | 1.87% | 1.00% | 1.76% | 1.72% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.33% | 46.93% | 47.03% | 47.10% | 46.50% | 46.17% | 45.82% | 45.11% | -199 bps | |
| Net Worth / Assets | 46.33% | 46.93% | 47.03% | 47.10% | 46.50% | 46.17% | 45.82% | 45.11% | -199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.62% | 77.09% | 77.24% | 79.43% | 76.51% | 72.94% | 70.01% | 69.73% | -971 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |