PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

PP&L G.O.L.D.

Allentown, PA · Charter 64884

NCUA · 2 branches

Q1 2024

$138.7MAssets
$103.3MLoans
$130.2MShares
$9.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.11%, down 387 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.38% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.95%, down 132 bps from a year ago.
  • Funding: loans stand at 79.37% of shares as of Q1 2024.

Financial Results

Return on Assets (quarter, annualized)

-5.11%-387 bps YoY

Net Interest Margin (quarter, annualized)

2.60%-44 bps YoY

Efficiency Ratio (quarter, annualized)

256%+14,282 bps YoY

Net Worth / Assets

6.95%-132 bps YoY

Discrete quarter, annualized.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets-1.24%-0.11%-0.37%-1.09%-5.11%-387 bps
Return on Equity-15.02%-1.30%-4.19%-13.21%-73.55%-5,853 bps
Net Interest Margin3.05%3.03%3.05%3.03%2.60%-44 bps
Efficiency Ratio113.04%86.00%94.44%112.29%256%+14,282 bps
Growth
Asset Growth (YoY)-3.81%-3.30%-5.15%-8.48%-10.39%-658 bps
Loan Growth (YoY)-6.70%-6.43%-5.11%-5.88%-8.84%-214 bps
Share Growth (YoY)-2.56%-1.93%-4.27%-7.74%-9.12%-656 bps
Asset Quality
Delinquent Loans / Loans0.38%0.32%0.42%0.63%0.38%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.26%8.71%8.77%8.22%6.95%-132 bps
Net Worth / Assets8.26%8.71%8.77%8.22%6.95%-132 bps
Liquidity & Funding
Loans / Shares79.13%80.02%81.29%80.99%79.37%+24 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps