Upper Darby, PA · Charter 62416
NCUA · 2 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Upper Darby, PA · Charter 62416
NCUA · 2 branches
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.35% | 0.35% | 0.04% | 0.66% | 1.30% | 0.80% | -0.11% | -15 bps | |
| Return on Equity | 3.88% | 3.28% | 3.35% | 0.34% | 6.17% | 11.36% | 6.90% | -1.01% | -136 bps | |
| Net Interest Margin | 4.15% | 4.23% | 4.13% | 3.59% | 3.50% | 3.33% | 3.27% | 3.21% | -38 bps | |
| Efficiency Ratio | 90.16% | 91.61% | 91.65% | 99.11% | 86.30% | 77.17% | 84.77% | 102.29% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | -3.39% | 0.13% | -1.70% | -2.01% | 2.39% | -3.02% | 0.83% | +253 bps | |
| Loan Growth (YoY) | -0.80% | 1.14% | -7.41% | -7.37% | -2.37% | -8.27% | -3.61% | -3.87% | +349 bps | |
| Share Growth (YoY) | -1.24% | -4.15% | -0.31% | -2.12% | -2.69% | 1.36% | -4.28% | 0.16% | +228 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 1.90% | 1.89% | 0.20% | 1.78% | 1.63% | 1.72% | 1.88% | +168 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 | 0.77% | 0.74% | 0.78% | 0.74% | 0.73% | 0.76% | 0.74% | 0.58% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.95% | 10.64% | 10.46% | 10.58% | 10.63% | 11.46% | 11.58% | 11.24% | +65 bps | |
| Net Worth / Assets | 9.95% | 10.64% | 10.46% | 10.58% | 10.63% | 11.46% | 11.58% | 11.24% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.16% | 72.20% | 66.74% | 66.40% | 66.38% | 65.34% | 67.20% | 63.73% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |