Milton, PA · Charter 64258
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Milton, PA · Charter 64258
NCUA · 2 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.19% | -2.13% | -1.53% | -1.20% | -1.46% | -1.17% | -3.50% | -197 bps | |
| Return on Equity | -3.37% | -1.78% | -23.45% | -17.51% | -13.75% | -17.47% | -13.10% | -46.25% | -2,874 bps | |
| Net Interest Margin | 4.05% | 4.05% | 4.04% | 3.70% | 3.74% | 3.79% | 4.01% | 3.83% | +13 bps | |
| Efficiency Ratio | 69.19% | 78.26% | 81.53% | 94.94% | 95.49% | 99.10% | 88.29% | 81.35% | -1,359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 2.03% | 1.05% | -2.72% | -4.50% | -5.31% | -10.03% | -4.31% | -159 bps | |
| Loan Growth (YoY) | -5.73% | -6.89% | -12.37% | -15.82% | -16.06% | -18.09% | -15.18% | -19.97% | -415 bps | |
| Share Growth (YoY) | 5.30% | 3.09% | 3.48% | -0.88% | -2.36% | -2.64% | -9.77% | -3.05% | -218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.16% | 6.43% | 3.34% | 3.44% | 4.72% | 4.63% | 5.28% | 1.48% | -196 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 | 4.64% | 4.44% | 4.67% | 5.31% | 5.22% | 5.56% | 6.33% | 5.87% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.78% | 10.91% | 9.06% | 8.76% | 8.70% | 8.36% | 8.91% | 7.57% | -119 bps | |
| Net Worth / Assets | 10.78% | 10.91% | 9.06% | 8.76% | 8.70% | 8.36% | 8.91% | 7.57% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.62% | 71.86% | 65.63% | 62.79% | 61.57% | 60.46% | 61.69% | 51.83% | -1,096 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |