E.greenville, PA · Charter 62787
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
6
Profitability
17
Liquidity
2
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
E.greenville, PA · Charter 62787
NCUA · 1 branch
Q4 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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.38% | -0.09% | 0.06% | 0.11% | -0.20% | -0.94% | -1.11% | -1.40% | -152 bps | |
| Return on Equity | -7.38% | -0.51% | 0.32% | 0.62% | -0.91% | -4.28% | -4.66% | -5.82% | -644 bps | |
| Net Interest Margin | 2.14% | 1.53% | 1.71% | 1.82% | 2.73% | 2.78% | 3.29% | 3.43% | +161 bps | |
| Efficiency Ratio | 115.43% | 103.35% | 95.34% | 92.73% | 107.11% | 126.50% | 124.35% | 130.50% | +3,776 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.59% | 0.00% | 0.00% | 0.00% | -13.46% | -24.63% | -28.72% | -30.37% | -3,037 bps | |
| Loan Growth (YoY) | 8.89% | 0.00% | 0.00% | 0.00% | -21.02% | -17.48% | -26.22% | -31.42% | -3,142 bps | |
| Share Growth (YoY) | -11.66% | 0.00% | 0.00% | 0.00% | -16.77% | -29.50% | -34.02% | -35.64% | -3,564 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.52% | 0.75% | 0.73% | 2.55% | 1.83% | 3.29% | 3.63% | +290 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.76% | 16.90% | 17.48% | 17.84% | 21.66% | 22.08% | 23.72% | 24.14% | +630 bps | |
| Net Worth / Assets | 18.76% | 16.90% | 17.48% | 17.84% | 21.66% | 22.08% | 23.72% | 24.14% | +630 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.59% | 35.51% | 38.74% | 39.46% | 42.31% | 41.57% | 43.32% | 42.05% | +258 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
E.greenville, PA · Charter 62787 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-1.41%
Rank 1,672 of 1,724
Net Interest Margin
3.44%
Rank 1,000 of 1,723
Efficiency Ratio
130.16%
Rank 1,685 of 1,721
Equity / Assets
24.14%
Rank 118 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.41% | 0.25% | 0.67% | 1.13% | Beats 3% | 1,672 / 1,724 | ||
| Return on Equity | -5.86% | 1.95% | 5.34% | 8.54% | Beats 5% | 1,632 / 1,723 | ||
| Net Interest Margin | 3.44% | 3.03% | 3.61% | 4.27% | Beats 42% | 1,000 / 1,723 | ||
| Efficiency Ratio | 130.16% | 69.84% | 78.36% | 87.50% | Beats 2% | 1,685 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.62% | 0.28% | 0.70% | 1.38% | Beats 6% | 1,621 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.14% | 10.16% | 12.41% | 16.03% | Beats 93% | 119 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.14% | 10.15% | 12.41% | 16.03% | Beats 93% | 118 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.05% | 55.95% | 72.66% | 85.34% | 11th pctl | 1,540 / 1,722 | ||
| Loans / Assets | 31.86% | 47.91% | 62.00% | 72.82% | 8th pctl | 1,588 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||