Sewickley, PA · Charter 63714
NCUA · 2 branches
Q3 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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -0.53% | -0.63% | -0.55% | -0.42% | -0.85% | -0.98% | -0.94% | -39 bps | |
| Return on Equity | 1.14% | -4.35% | -5.30% | -4.56% | -3.40% | -7.10% | -8.22% | -7.98% | -342 bps | |
| Net Interest Margin | 1.94% | 1.38% | 1.25% | 1.20% | 1.17% | 0.88% | 0.97% | 1.20% | 0 bps | |
| Efficiency Ratio | 97.43% | 129.16% | 136.89% | 130.00% | 127.11% | 164.31% | 162.17% | 153.00% | +2,300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.49% | 11.55% | 7.45% | 4.45% | 0.68% | -1.55% | -4.83% | -2.75% | -719 bps | |
| Loan Growth (YoY) | -13.88% | -19.32% | -18.26% | -15.33% | -17.95% | -10.93% | -4.51% | -1.13% | +1,421 bps | |
| Share Growth (YoY) | 8.53% | 13.53% | 9.00% | 5.10% | 1.34% | -1.63% | -4.76% | -1.68% | -677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.72% | 1.95% | 0.62% | 0.61% | 1.42% | 1.52% | 0.71% | +9 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 | 1.26% | 1.46% | 1.49% | 1.51% | 1.06% | 1.00% | 1.01% | 0.99% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.86% | 12.30% | 11.93% | 12.08% | 12.36% | 12.00% | 11.96% | 11.72% | -36 bps | |
| Net Worth / Assets | 12.86% | 12.30% | 11.93% | 12.08% | 12.36% | 12.00% | 11.96% | 11.72% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.68% | 15.29% | 14.16% | 14.57% | 14.32% | 13.85% | 14.19% | 14.65% | +8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |