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 | |