York, PA · Charter 64235
NCUA · 1 branch
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.45% | 0.45% | 0.42% | 0.46% | -0.24% | 0.42% | -5.42% | -584 bps | |
| Return on Equity | 2.38% | 2.55% | 2.60% | 2.50% | 2.59% | -1.31% | 2.22% | -32.23% | -3,473 bps | |
| Net Interest Margin | 1.53% | 1.54% | 1.46% | 1.44% | 1.56% | 1.69% | 1.65% | -2.71% | -415 bps | |
| Efficiency Ratio | 73.44% | 71.71% | 70.61% | 71.84% | 71.35% | 112.97% | 75.47% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.54% | 12.42% | 13.12% | 8.12% | 2.24% | -4.85% | -11.05% | -16.54% | -2,465 bps | |
| Loan Growth (YoY) | -11.82% | -11.84% | -3.69% | 5.90% | 0.92% | -3.91% | -10.73% | -6.50% | -1,240 bps | |
| Share Growth (YoY) | 8.54% | 14.92% | 15.59% | 9.35% | 2.04% | -5.72% | -13.04% | -16.57% | -2,592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.78% | 0.00% | 1.15% | 1.77% | 1.41% | +63 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 | 1.59% | 1.68% | 1.66% | 1.64% | 1.29% | 1.44% | 1.59% | 1.49% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.61% | 17.79% | 17.20% | 16.73% | 17.82% | 18.45% | 19.06% | 16.83% | +10 bps | |
| Net Worth / Assets | 17.61% | 17.79% | 17.20% | 16.73% | 17.82% | 18.45% | 19.06% | 16.83% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.60% | 44.21% | 43.24% | 42.22% | 46.09% | 45.06% | 44.39% | 47.32% | +510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |