Latrobe, PA · Charter 6188
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.32% | 0.33% | 0.15% | 0.15% | -0.69% | -0.53% | -0.77% | -92 bps | |
| Return on Equity | 2.15% | 1.44% | 1.61% | 0.69% | 0.69% | -3.39% | -2.79% | -12.78% | -1,347 bps | |
| Net Interest Margin | 2.36% | 2.04% | 1.73% | 1.77% | 1.71% | 1.23% | 1.47% | 1.54% | -23 bps | |
| Efficiency Ratio | 79.26% | 84.43% | 81.37% | 91.78% | 91.74% | 155.33% | 135.59% | 149.21% | +5,743 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 9.38% | 16.58% | 6.71% | 6.26% | 8.00% | 3.55% | 12.36% | +565 bps | |
| Loan Growth (YoY) | -2.19% | -19.89% | -17.74% | -16.86% | -22.24% | -13.64% | -8.91% | -5.08% | +1,178 bps | |
| Share Growth (YoY) | 3.49% | 11.88% | 21.48% | 8.60% | 7.99% | 10.37% | 5.21% | 35.17% | +2,656 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.90% | 1.73% | 2.16% | 2.44% | 1.91% | 1.56% | 0.46% | 6.51% | +406 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 | 1.73% | 1.93% | 1.98% | 1.99% | 1.67% | 1.68% | 1.64% | 1.67% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.06% | 22.12% | 20.27% | 21.73% | 21.85% | 20.38% | 19.02% | 6.06% | -1,567 bps | |
| Net Worth / Assets | 23.06% | 22.12% | 20.27% | 21.73% | 21.85% | 20.38% | 19.02% | 6.06% | -1,567 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.10% | 64.40% | 56.00% | 60.77% | 54.80% | 50.39% | 48.48% | 42.67% | -1,809 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |