Reading, PA · Charter 5594
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.33% | 0.00% | 0.14% | 0.37% | -0.23% | +110 bps | |
| Return on Equity | -20.52% | 0.00% | 2.02% | 4.73% | -3.08% | +1,744 bps | |
| Net Interest Margin | 3.57% | 2.67% | 2.72% | 2.91% | 3.02% | -55 bps | |
| Efficiency Ratio | 113.08% | 100.00% | 98.04% | 95.25% | 103.05% | -1,003 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.92% | -23.74% | -27.12% | -28.56% | -16.97% | -205 bps | |
| Loan Growth (YoY) | -18.42% | -5.63% | -6.21% | 0.06% | -6.55% | +1,187 bps | |
| Share Growth (YoY) | -14.90% | -24.38% | -28.36% | -30.37% | -17.68% | -279 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.43% | 3.34% | 0.74% | 0.98% | 1.76% | -166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.24% | 1.27% | 1.08% | 1.65% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.48% | 6.57% | 6.97% | 7.79% | 7.58% | +109 bps | |
| Net Worth / Assets | 6.48% | 6.57% | 6.97% | 7.79% | 7.58% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.59% | 26.23% | 27.52% | 30.76% | 31.33% | +373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |