Old Forge, PA · Charter 60413
NCUA · 2 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Old Forge, PA · Charter 60413
NCUA · 2 branches
Q2 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.12% | -0.31% | -0.14% | 0.25% | 0.05% | 0.45% | 0.22% | +36 bps | |
| Return on Equity | -0.15% | -1.25% | -3.54% | -1.56% | 2.80% | 0.57% | 5.08% | 2.54% | +410 bps | |
| Net Interest Margin | 2.41% | 2.20% | 1.54% | 1.54% | 1.55% | 1.57% | 1.56% | 1.70% | +16 bps | |
| Efficiency Ratio | 99.61% | 103.34% | 112.85% | 104.47% | 84.25% | 91.87% | 78.94% | 86.42% | -1,804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.92% | 13.33% | 14.45% | 4.90% | 10.33% | 4.81% | -0.16% | 3.17% | -173 bps | |
| Loan Growth (YoY) | -8.71% | -4.36% | -2.13% | -0.88% | -0.68% | -2.03% | -0.35% | 16.94% | +1,783 bps | |
| Share Growth (YoY) | 8.66% | 14.92% | 16.26% | 5.51% | 11.33% | 5.19% | -0.29% | 3.40% | -212 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.58% | 5.73% | 6.01% | 5.97% | 4.14% | 4.21% | 4.05% | 3.33% | -265 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 | 0.46% | 0.46% | 0.47% | 0.50% | 0.45% | 0.47% | 0.47% | 0.37% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.59% | 9.21% | 8.66% | 8.79% | 8.78% | 8.83% | 8.92% | 8.75% | -4 bps | |
| Net Worth / Assets | 9.59% | 9.21% | 8.66% | 8.79% | 8.78% | 8.83% | 8.92% | 8.75% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.99% | 41.54% | 39.13% | 39.57% | 37.46% | 38.69% | 39.10% | 44.75% | +518 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |