Harrisburg, PA · Charter 60018
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.05% | -0.06% | -0.33% | -0.24% | -18 bps | |
| Return on Equity | -0.37% | -0.34% | -0.38% | -2.17% | -1.58% | -122 bps | |
| Net Interest Margin | 1.92% | 1.90% | 1.86% | 1.76% | 1.81% | -11 bps | |
| Efficiency Ratio | 101.93% | 101.88% | 101.45% | 114.10% | 110.02% | +808 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.38% | -0.45% | 3.87% | 2.20% | 4.42% | +881 bps | |
| Loan Growth (YoY) | -10.26% | -13.25% | -11.56% | -11.69% | -9.53% | +73 bps | |
| Share Growth (YoY) | -4.72% | -0.03% | 5.25% | 3.18% | 5.38% | +1,009 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.53% | 0.46% | 0.49% | 0.48% | 0.39% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.21% | 16.07% | 15.71% | 15.32% | 15.37% | -84 bps | |
| Net Worth / Assets | 16.21% | 16.07% | 15.71% | 15.32% | 15.37% | -84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |