Easton, PA · Charter 64521
NCUA · 1 branch
Q2 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.10% | 0.36% | 0.55% | 1.55% | +142 bps | |
| Return on Equity | 1.30% | 0.93% | 3.70% | 4.70% | 11.96% | +1,066 bps | |
| Net Interest Margin | 1.13% | 1.26% | 1.40% | 2.94% | 3.19% | +206 bps | |
| Efficiency Ratio | 89.72% | 93.00% | 65.22% | 57.56% | 40.00% | -4,972 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.46% | 5.78% | 11.00% | -7.62% | -14.27% | -2,073 bps | |
| Loan Growth (YoY) | 25.99% | 16.08% | 7.84% | -9.75% | -20.91% | -4,690 bps | |
| Share Growth (YoY) | 7.33% | 6.41% | 11.84% | -9.07% | -16.98% | -2,431 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.81% | 1.12% | 0.00% | 1.43% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.37% | 3.26% | 3.69% | 3.94% | 4.49% | +112 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.11% | 10.26% | 9.83% | 11.70% | 12.95% | +283 bps | |
| Net Worth / Assets | 10.11% | 10.26% | 9.83% | 11.70% | 12.95% | +283 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.13% | 19.09% | 16.33% | 18.05% | 17.27% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |