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Corry Jamestown

Corry, PA · Charter 62048

NCUA · 1 branch

Q1 2025

$27.4MAssets
$3.9MLoans
$24.6MShares
$2.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 27 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.96% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.01%, up 107 bps from a year ago.
  • Funding: loans stand at 15.72% of shares as of Q1 2025.

Financial Results

Return on Assets (quarter, annualized)

0.71%+27 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+32 bps YoY

Efficiency Ratio (quarter, annualized)

81.24%-635 bps YoY

Net Worth / Assets

10.01%+107 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.43%0.79%0.80%0.83%0.71%+27 bps
Return on Equity4.83%8.57%8.08%8.27%7.05%+222 bps
Net Interest Margin2.54%2.77%2.96%2.91%2.86%+32 bps
Efficiency Ratio87.59%78.92%79.18%78.64%81.24%-635 bps
Growth
Asset Growth (YoY)4.80%7.44%1.01%-0.04%-2.12%-692 bps
Loan Growth (YoY)-5.77%-4.72%-7.34%-6.76%-7.02%-126 bps
Share Growth (YoY)4.19%6.81%0.55%-0.51%-2.60%-680 bps
Asset Quality
Delinquent Loans / Loans1.02%1.29%0.91%0.56%0.96%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.94%9.25%9.89%10.03%10.01%+107 bps
Net Worth / Assets8.94%9.25%9.89%10.03%10.01%+107 bps
Liquidity & Funding
Loans / Shares16.47%16.44%16.65%16.19%15.72%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps