Harrisburg, PA · Charter 60018
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
Harrisburg, PA · Charter 60018
NCUA · 1 branch
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.23% | 0.01% | -0.06% | -0.05% | -0.06% | -0.33% | -0.24% | -18 bps | |
| Return on Equity | -1.25% | -1.43% | 0.03% | -0.37% | -0.34% | -0.38% | -2.17% | -1.58% | -122 bps | |
| Net Interest Margin | 1.80% | 1.86% | 1.91% | 1.92% | 1.90% | 1.86% | 1.76% | 1.81% | -11 bps | |
| Efficiency Ratio | 106.28% | 106.02% | 99.30% | 101.93% | 101.88% | 101.45% | 114.10% | 110.02% | +808 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | -3.18% | -2.26% | -4.38% | -0.45% | 3.87% | 2.20% | 4.42% | +881 bps | |
| Loan Growth (YoY) | -5.56% | -5.13% | -6.84% | -10.26% | -13.25% | -11.56% | -11.69% | -9.53% | +73 bps | |
| Share Growth (YoY) | -1.03% | -3.53% | -2.45% | -4.72% | -0.03% | 5.25% | 3.18% | 5.38% | +1,009 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.41% | 0.53% | 0.63% | 0.42% | 0.44% | 0.36% | 0.48% | -14 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 | 0.36% | 0.45% | 0.51% | 0.53% | 0.46% | 0.49% | 0.48% | 0.39% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.12% | 16.38% | 15.80% | 16.21% | 16.07% | 15.71% | 15.32% | 15.37% | -84 bps | |
| Net Worth / Assets | 16.12% | 16.38% | 15.80% | 16.21% | 16.07% | 15.71% | 15.32% | 15.37% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.79% | 36.45% | 33.28% | 32.96% | 31.92% | 30.62% | 28.48% | 28.30% | -466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |