Stowe, PA · Charter 6414
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.47% | 0.50% | 0.43% | 0.40% | 0.37% | 0.38% | -6.59% | -702 bps | |
| Return on Equity | 1.96% | 3.74% | 3.87% | 3.32% | 3.18% | 3.14% | 3.25% | -94.14% | -9,746 bps | |
| Net Interest Margin | 3.49% | 3.76% | 3.82% | 3.82% | 3.72% | 3.72% | 3.73% | 2.78% | -104 bps | |
| Efficiency Ratio | 85.35% | 80.31% | 79.59% | 80.67% | 79.83% | 82.62% | 80.18% | 231% | +15,033 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | 1.78% | 2.53% | 6.64% | 6.42% | 10.08% | 13.26% | 8.09% | +145 bps | |
| Loan Growth (YoY) | 9.08% | 7.67% | 6.62% | 8.01% | 6.18% | 6.83% | 4.00% | -3.40% | -1,141 bps | |
| Share Growth (YoY) | 2.80% | 1.70% | 2.51% | 7.22% | 6.88% | 11.00% | 14.70% | 11.08% | +386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.33% | 1.06% | 1.10% | 1.83% | 1.53% | 1.37% | 1.50% | +40 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 | 0.49% | 0.58% | 0.43% | 0.47% | 0.57% | 0.59% | 0.61% | 1.51% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.83% | 12.70% | 12.89% | 12.82% | 12.45% | 11.90% | 11.72% | 7.00% | -582 bps | |
| Net Worth / Assets | 12.83% | 12.70% | 12.89% | 12.82% | 12.45% | 11.90% | 11.72% | 7.00% | -582 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.66% | 87.97% | 90.97% | 93.35% | 89.07% | 84.67% | 82.49% | 81.18% | -1,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |