Ellwood City, PA · Charter 636
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.36% | 1.17% | 0.83% | 0.89% | +49 bps | |
| Return on Equity | 2.63% | 2.31% | 7.49% | 5.37% | 5.40% | +277 bps | |
| Net Interest Margin | 2.24% | 2.26% | 2.44% | 2.22% | 2.30% | +6 bps | |
| Efficiency Ratio | 68.60% | 66.69% | 51.87% | 57.18% | 56.36% | -1,224 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.00% | -8.57% | -2.41% | -0.67% | -4.29% | +71 bps | |
| Loan Growth (YoY) | -22.33% | -22.66% | -23.45% | -23.66% | -22.52% | -20 bps | |
| Share Growth (YoY) | -5.81% | -10.32% | -3.41% | -1.51% | -5.86% | -5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.26% | 0.28% | 0.00% | 0.00% | -138 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.61% | 0.68% | 0.60% | 0.71% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.05% | 15.56% | 15.66% | 15.41% | 16.44% | +140 bps | |
| Net Worth / Assets | 15.05% | 15.56% | 15.66% | 15.41% | 16.44% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.95% | 57.34% | 50.76% | 46.24% | 46.05% | -990 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |