Erie, PA · Charter 63648
NCUA · 4 branches
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.38% | 0.50% | 0.54% | 0.53% | 0.23% | 0.36% | 0.42% | -12 bps | |
| Return on Equity | 2.92% | 5.22% | 6.61% | 6.60% | 6.43% | 2.81% | 4.32% | 4.92% | -168 bps | |
| Net Interest Margin | 2.61% | 2.73% | 2.89% | 3.08% | 3.09% | 2.97% | 3.03% | 3.10% | +2 bps | |
| Efficiency Ratio | 85.82% | 84.08% | 80.17% | 80.08% | 82.18% | 87.93% | 86.28% | 84.93% | +485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.08% | -1.53% | -0.05% | -6.62% | -6.29% | -4.56% | -4.35% | -0.66% | +596 bps | |
| Loan Growth (YoY) | 24.16% | 21.82% | 8.51% | 4.97% | 0.16% | -0.29% | 0.77% | -1.15% | -611 bps | |
| Share Growth (YoY) | 2.87% | 0.54% | 0.89% | -7.37% | -8.04% | -6.31% | -5.54% | -2.88% | +448 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.44% | 0.38% | 0.71% | 0.51% | 0.63% | 0.47% | 0.38% | -33 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 | 0.56% | 0.62% | 0.77% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.28% | 7.27% | 7.54% | 8.11% | 8.27% | 8.07% | 8.25% | 8.54% | +43 bps | |
| Net Worth / Assets | 7.28% | 7.27% | 7.54% | 8.11% | 8.27% | 8.07% | 8.25% | 8.54% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.18% | 51.53% | 52.02% | 55.49% | 57.92% | 54.84% | 55.49% | 56.48% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |