Pittsburgh, PA · Charter 5985
NCUA · 1 branch
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.73% | -1.65% | -7.14% | -40.73% | -20.47% | -16.59% | -14.67% | -9.90% | +3,083 bps | |
| Return on Equity | -18.75% | -5.62% | -24.25% | -160.57% | -91.80% | -83.28% | -82.79% | -67.14% | +9,343 bps | |
| Net Interest Margin | 2.66% | 0.83% | 2.95% | 2.72% | 1.92% | 1.70% | 1.56% | 0.85% | -187 bps | |
| Efficiency Ratio | 312% | 297% | 341% | 543% | 760% | 772% | 795% | 1267% | +72,409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.20% | -10.56% | -2.79% | -22.52% | -16.49% | -16.16% | -8.13% | 14.17% | +3,669 bps | |
| Loan Growth (YoY) | -9.85% | 2.96% | -23.36% | -33.38% | -37.75% | -48.71% | -49.87% | -43.11% | -973 bps | |
| Share Growth (YoY) | -4.71% | -8.15% | 6.36% | -14.04% | -6.64% | -5.09% | 7.16% | 29.27% | +4,331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 10.26% | 33.60% | 26.72% | 28.29% | 31.96% | 0.00% | 0.00% | -2,672 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 | 1.11% | 1.06% | 1.15% | 1.50% | 1.01% | 1.17% | 1.30% | 1.50% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.54% | 29.26% | 29.43% | 25.36% | 22.30% | 19.92% | 17.72% | 14.75% | -1,062 bps | |
| Net Worth / Assets | 30.54% | 29.26% | 29.43% | 25.36% | 22.30% | 19.92% | 17.72% | 14.75% | -1,062 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.00% | 68.09% | 69.13% | 59.83% | 44.00% | 36.79% | 32.34% | 26.33% | -3,350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |