Allentown, PA · Charter 64884
NCUA · 2 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.55% | -0.76% | -1.24% | -0.11% | -0.37% | -1.09% | -5.11% | -387 bps | |
| Return on Equity | -2.26% | -6.22% | -8.93% | -15.02% | -1.30% | -4.19% | -13.21% | -73.55% | -5,853 bps | |
| Net Interest Margin | 3.14% | 3.19% | 3.10% | 3.05% | 3.03% | 3.05% | 3.03% | 2.60% | -44 bps | |
| Efficiency Ratio | 100.82% | 101.80% | 105.56% | 113.04% | 86.00% | 94.44% | 112.29% | 256% | +14,282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.33% | -3.23% | -2.53% | -3.81% | -3.30% | -5.15% | -8.48% | -10.39% | -658 bps | |
| Loan Growth (YoY) | 13.95% | 1.26% | -2.60% | -6.70% | -6.43% | -5.11% | -5.88% | -8.84% | -214 bps | |
| Share Growth (YoY) | 3.05% | -1.54% | -0.75% | -2.56% | -1.93% | -4.27% | -7.74% | -9.12% | -656 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.32% | 0.29% | 0.38% | 0.32% | 0.42% | 0.63% | 0.38% | 0 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 | 0.19% | 0.46% | 0.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.13% | 8.93% | 8.52% | 8.26% | 8.71% | 8.77% | 8.22% | 6.95% | -132 bps | |
| Net Worth / Assets | 9.13% | 8.93% | 8.52% | 8.26% | 8.71% | 8.77% | 8.22% | 6.95% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.87% | 82.01% | 79.39% | 79.13% | 80.02% | 81.29% | 80.99% | 79.37% | +24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |