Pittsburgh, PA · Charter 61035
NCUA · 3 branches
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.11% | -1.21% | -1.84% | -1.85% | -2.24% | -2.44% | -3.78% | -4.89% | -304 bps | |
| Return on Equity | -7.36% | -8.12% | -11.96% | -12.13% | -14.12% | -15.71% | -25.25% | -31.72% | -1,959 bps | |
| Net Interest Margin | 2.05% | 2.15% | 2.09% | 2.10% | 2.19% | 2.16% | 1.55% | 1.71% | -39 bps | |
| Efficiency Ratio | 144.87% | 146.23% | 181.98% | 181.78% | 194.43% | 235% | 261% | 326% | +14,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.18% | -9.35% | -10.77% | -11.56% | -16.16% | -18.90% | -15.21% | -23.12% | -1,156 bps | |
| Loan Growth (YoY) | -15.74% | -0.04% | -8.36% | -0.91% | 2.84% | -9.30% | -7.73% | -13.11% | -1,220 bps | |
| Share Growth (YoY) | -7.12% | -9.65% | -10.38% | -10.99% | -16.04% | -20.99% | -16.92% | -25.35% | -1,436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.03% | 4.76% | 6.56% | 0.00% | 1.02% | 0.41% | 1.70% | 6.85% | +685 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 | 0.50% | 0.55% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.07% | 14.84% | 15.41% | 15.24% | 15.87% | 15.55% | 14.97% | 15.42% | +18 bps | |
| Net Worth / Assets | 15.07% | 14.84% | 15.41% | 15.24% | 15.87% | 15.55% | 14.97% | 15.42% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.28% | 27.51% | 27.18% | 28.59% | 29.74% | 31.58% | 30.18% | 33.28% | +469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |