Allentown, PA · Charter 62
NCUA · 2 branches
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.37% | 0.32% | 0.22% | 0.25% | 0.19% | 0.31% | -0.02% | -24 bps | |
| Return on Equity | 3.06% | 2.76% | 2.25% | 1.48% | 1.75% | 1.32% | 2.06% | -0.15% | -162 bps | |
| Net Interest Margin | 2.23% | 2.26% | 2.39% | 2.50% | 2.32% | 2.39% | 2.55% | 2.67% | +17 bps | |
| Efficiency Ratio | 84.50% | 86.00% | 88.60% | 93.07% | 90.77% | 93.28% | 89.84% | 105.44% | +1,237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.04% | 9.91% | 1.88% | -4.21% | -7.26% | -7.68% | -3.43% | 2.12% | +633 bps | |
| Loan Growth (YoY) | 0.09% | -3.85% | -4.81% | -1.18% | -2.99% | 4.16% | 6.15% | 3.68% | +486 bps | |
| Share Growth (YoY) | 20.36% | 11.58% | 2.02% | -5.12% | -8.56% | -8.97% | -3.95% | 2.28% | +740 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 1.64% | 0.78% | 0.78% | 1.33% | 2.02% | 2.21% | 1.02% | +24 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 | 0.26% | 0.27% | 0.27% | 0.24% | 0.25% | 0.24% | 0.25% | 0.00% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.27% | 13.56% | 14.32% | 14.92% | 14.48% | 14.80% | 15.03% | 14.59% | -33 bps | |
| Net Worth / Assets | 13.27% | 13.56% | 14.32% | 14.92% | 14.48% | 14.80% | 15.03% | 14.59% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.15% | 63.76% | 68.51% | 72.80% | 68.05% | 72.96% | 75.71% | 73.81% | +100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |