Girard, PA · Charter 5951
NCUA · 1 branch
Q3 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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.01% | 0.05% | 0.11% | 0.09% | -0.18% | 0.00% | -0.03% | -14 bps | |
| Return on Equity | 1.07% | 0.09% | 0.76% | 1.60% | 1.27% | -2.81% | -0.02% | -0.52% | -212 bps | |
| Net Interest Margin | 3.40% | 2.89% | 2.86% | 2.90% | 2.83% | 2.74% | 2.81% | 2.88% | -2 bps | |
| Efficiency Ratio | 99.66% | 99.80% | 99.77% | 97.17% | 97.72% | 105.79% | 100.03% | 98.00% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.29% | 21.27% | 9.40% | 6.55% | 12.12% | 8.65% | 9.53% | 9.68% | +313 bps | |
| Loan Growth (YoY) | -1.06% | -1.58% | 2.89% | -0.46% | -7.07% | 4.12% | 8.10% | 13.54% | +1,400 bps | |
| Share Growth (YoY) | 13.57% | 23.16% | 10.09% | 7.00% | 13.02% | 7.61% | 7.52% | 5.18% | -182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.34% | 0.97% | 0.78% | 1.25% | 1.87% | 1.47% | +50 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 | 0.29% | 0.32% | 0.26% | 0.18% | 0.11% | 0.10% | 0.10% | 0.02% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.57% | 6.87% | 6.93% | 6.99% | 6.84% | 6.36% | 6.38% | 6.35% | -64 bps | |
| Net Worth / Assets | 7.57% | 6.87% | 6.93% | 6.99% | 6.84% | 6.36% | 6.38% | 6.35% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.39% | 46.15% | 47.43% | 47.96% | 45.55% | 44.65% | 47.69% | 51.77% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |