Scranton, PA · Charter 60641
NCUA · 2 branches
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.24% | 0.20% | -0.41% | -0.33% | -0.43% | -0.54% | -0.70% | -29 bps | |
| Return on Equity | 3.71% | 3.41% | 2.78% | -5.89% | -5.29% | -7.05% | -9.70% | -13.34% | -745 bps | |
| Net Interest Margin | 2.53% | 2.63% | 2.57% | 2.25% | 1.88% | 1.77% | 1.54% | 0.98% | -126 bps | |
| Efficiency Ratio | 91.86% | 92.26% | 93.56% | 110.42% | 109.66% | 113.80% | 120.38% | 156.37% | +4,594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.82% | 1.30% | 2.02% | -0.42% | 10.47% | 11.33% | 15.76% | 19.17% | +1,960 bps | |
| Loan Growth (YoY) | -9.85% | -11.51% | -16.91% | -11.85% | -18.70% | -17.39% | -17.20% | -25.16% | -1,331 bps | |
| Share Growth (YoY) | -1.29% | 1.08% | 1.97% | -0.49% | 11.43% | 12.60% | 17.64% | 21.38% | +2,186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.73% | 0.78% | 0.86% | 0.88% | 0.91% | 0.00% | 0.00% | -86 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 | 1.80% | 1.75% | 1.96% | 2.10% | 2.43% | 2.58% | 1.85% | 1.35% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.95% | 7.16% | 7.09% | 6.96% | 6.19% | 6.12% | 5.58% | 5.23% | -173 bps | |
| Net Worth / Assets | 6.95% | 7.16% | 7.09% | 6.96% | 6.19% | 6.12% | 5.58% | 5.23% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.34% | 23.09% | 21.17% | 20.96% | 17.03% | 16.94% | 14.90% | 12.92% | -803 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |