Old Forge, PA · Charter 60413
NCUA · 2 branches
Q2 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.25% | 0.05% | 0.45% | 0.22% | +36 bps | |
| Return on Equity | -1.56% | 2.80% | 0.57% | 5.08% | 2.54% | +410 bps | |
| Net Interest Margin | 1.54% | 1.55% | 1.57% | 1.56% | 1.70% | +16 bps | |
| Efficiency Ratio | 104.47% | 84.25% | 91.87% | 78.94% | 86.42% | -1,804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.90% | 10.33% | 4.81% | -0.16% | 3.17% | -173 bps | |
| Loan Growth (YoY) | -0.88% | -0.68% | -2.03% | -0.35% | 16.94% | +1,783 bps | |
| Share Growth (YoY) | 5.51% | 11.33% | 5.19% | -0.29% | 3.40% | -212 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.50% | 0.45% | 0.47% | 0.47% | 0.37% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.79% | 8.78% | 8.83% | 8.92% | 8.75% | -4 bps | |
| Net Worth / Assets | 8.79% | 8.78% | 8.83% | 8.92% | 8.75% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |