Midland, PA · Charter 650
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Midland, PA · Charter 650
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.41% | -0.26% | -0.31% | -0.24% | -0.08% | +32 bps | |
| Return on Equity | -4.28% | -2.72% | -3.22% | -2.59% | -0.91% | +337 bps | |
| Net Interest Margin | 2.05% | 2.17% | 2.16% | 2.13% | 1.88% | -17 bps | |
| Efficiency Ratio | 114.37% | 107.75% | 109.29% | 107.00% | 100.90% | -1,347 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.08% | -2.49% | -2.14% | -1.26% | 0.18% | +226 bps | |
| Loan Growth (YoY) | -6.43% | -6.85% | -4.25% | -1.87% | -3.02% | +340 bps | |
| Share Growth (YoY) | -0.73% | -1.15% | -0.75% | 0.14% | 0.21% | +94 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.19% | 1.63% | 3.18% | 2.57% | 2.80% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.45% | 0.38% | 0.30% | 0.36% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.47% | 9.65% | 9.62% | 9.44% | 9.29% | -18 bps | |
| Net Worth / Assets | 9.47% | 9.65% | 9.62% | 9.44% | 9.29% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.16% | 33.06% | 33.50% | 32.45% | 31.12% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |