Wawa, PA · Charter 63863
NCUA · 1 branch
Q1 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.10% | 0.07% | 0.08% | -0.07% | -0.06% | -0.15% | -0.21% | -29 bps | |
| Return on Equity | 3.20% | 1.30% | 0.94% | 1.20% | -0.94% | -0.85% | -2.11% | -3.51% | -471 bps | |
| Net Interest Margin | 2.16% | 2.26% | 2.10% | 1.75% | 1.73% | 1.72% | 1.78% | 1.31% | -44 bps | |
| Efficiency Ratio | 94.35% | 95.63% | 95.44% | 96.95% | 103.46% | 103.54% | 105.69% | 111.29% | +1,434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.88% | 12.57% | 20.34% | 16.53% | 7.31% | 12.71% | 2.29% | 11.24% | -529 bps | |
| Loan Growth (YoY) | -2.92% | -9.59% | 4.65% | 11.20% | 4.91% | 22.20% | 23.26% | 12.56% | +135 bps | |
| Share Growth (YoY) | 15.59% | 13.89% | 22.23% | 18.00% | 8.06% | 13.74% | 2.71% | 12.29% | -572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.04% | 0.02% | 0.04% | 0.04% | 0.03% | 0.02% | 0.04% | +1 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 | 0.66% | 0.69% | 0.70% | 0.67% | 0.65% | 0.56% | 0.55% | 0.55% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.58% | 8.01% | 7.57% | 6.71% | 6.99% | 7.06% | 7.25% | 5.84% | -87 bps | |
| Net Worth / Assets | 7.58% | 8.01% | 7.57% | 6.71% | 6.99% | 7.06% | 7.25% | 5.84% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.74% | 34.14% | 36.06% | 33.23% | 33.73% | 36.67% | 43.28% | 33.31% | +8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |