Pittsburgh, PA · Charter 65138
NCUA · 2 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Pittsburgh, PA · Charter 65138
NCUA · 2 branches
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.40% | 0.45% | 0.42% | 0.17% | -0.05% | -0.02% | 0.00% | -42 bps | |
| Return on Equity | 1.31% | 1.78% | 1.86% | 1.73% | 0.72% | -0.23% | -0.09% | 0.01% | -172 bps | |
| Net Interest Margin | 3.36% | 3.33% | 3.53% | 3.46% | 3.07% | 2.74% | 2.76% | 2.66% | -80 bps | |
| Efficiency Ratio | 85.56% | 82.99% | 82.72% | 84.20% | 89.96% | 94.91% | 94.10% | 93.74% | +954 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.32% | -1.48% | -3.33% | -3.44% | -2.75% | 2.17% | 5.11% | 6.46% | +990 bps | |
| Loan Growth (YoY) | -9.21% | -8.57% | -9.66% | -9.77% | -8.48% | -9.06% | -10.22% | -11.55% | -178 bps | |
| Share Growth (YoY) | -0.49% | -1.94% | -4.00% | -4.46% | -3.75% | 2.93% | 6.75% | 9.04% | +1,350 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.25% | 1.05% | 1.23% | 1.48% | 1.26% | 1.02% | 1.25% | +2 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 | 0.64% | 0.63% | 0.71% | 0.70% | 0.71% | 0.72% | 0.71% | 0.76% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.44% | 22.53% | 24.11% | 24.16% | 23.45% | 22.22% | 23.01% | 22.69% | -146 bps | |
| Net Worth / Assets | 22.44% | 22.53% | 24.11% | 24.16% | 23.45% | 22.22% | 23.01% | 22.69% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.53% | 86.60% | 92.08% | 89.12% | 84.18% | 76.51% | 77.45% | 72.30% | -1,683 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |