Northampton, PA · Charter 65477
NCUA · 1 branch
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 | -0.41% | -0.40% | -0.31% | 0.43% | 0.83% | 1.18% | 1.53% | -8.48% | -892 bps | |
| Return on Equity | -1.97% | -1.87% | -1.43% | 1.90% | 3.55% | 4.81% | 6.01% | -34.94% | -3,684 bps | |
| Net Interest Margin | 0.65% | 0.73% | 0.87% | 1.83% | 2.29% | 2.77% | 3.17% | -1.31% | -314 bps | |
| Efficiency Ratio | 149.65% | 143.65% | 129.80% | 78.46% | 65.81% | 59.57% | 54.05% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.83% | 0.06% | -0.88% | -3.26% | -5.05% | -6.23% | -6.37% | -9.62% | -636 bps | |
| Loan Growth (YoY) | 12.45% | 17.20% | 18.69% | 9.82% | -2.33% | 5.86% | -3.40% | -13.47% | -2,329 bps | |
| Share Growth (YoY) | 6.52% | 0.52% | -0.74% | -4.62% | -7.24% | -9.43% | -10.42% | -11.49% | -687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 5.24% | 5.14% | 4.99% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.02% | 21.31% | 21.61% | 22.69% | 23.39% | 24.55% | 25.41% | 24.28% | +159 bps | |
| Net Worth / Assets | 21.02% | 21.31% | 21.61% | 22.69% | 23.39% | 24.55% | 25.41% | 24.28% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.32% | 12.85% | 13.47% | 13.31% | 12.97% | 15.02% | 14.53% | 13.02% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |