Greensburg, PA · Charter 4806
NCUA · 1 branch
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.35% | -0.57% | 0.08% | -1.58% | -2.64% | -229 bps | |
| Return on Equity | -0.75% | -1.23% | 0.16% | -3.44% | -5.86% | -511 bps | |
| Net Interest Margin | 2.71% | 2.60% | 2.62% | 2.65% | 2.68% | -2 bps | |
| Efficiency Ratio | 126.23% | 120.22% | 124.99% | 128.90% | 177.22% | +5,099 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.71% | -2.23% | 0.02% | -0.38% | -1.16% | +255 bps | |
| Loan Growth (YoY) | -5.23% | -0.10% | -3.80% | -7.46% | -10.52% | -529 bps | |
| Share Growth (YoY) | -3.79% | -2.56% | 1.66% | 2.09% | 1.94% | +573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.75% | 1.87% | 1.00% | 1.76% | 1.72% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 47.10% | 46.50% | 46.17% | 45.82% | 45.11% | -199 bps | |
| Net Worth / Assets | 47.10% | 46.50% | 46.17% | 45.82% | 45.11% | -199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |