Northampton, PA · Charter 65504
NCUA · 1 branch
Q1 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.84% | 1.01% | 0.95% | 1.15% | +29 bps | |
| Return on Equity | 5.63% | 5.47% | 6.43% | 5.95% | 7.19% | +155 bps | |
| Net Interest Margin | 2.21% | 2.20% | 2.25% | 2.23% | 2.41% | +20 bps | |
| Efficiency Ratio | 61.36% | 62.29% | 56.88% | 58.90% | 52.47% | -890 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.24% | 0.67% | 2.59% | 2.04% | 1.75% | +199 bps | |
| Loan Growth (YoY) | -3.11% | -8.76% | -11.77% | -10.06% | -7.99% | -488 bps | |
| Share Growth (YoY) | -1.06% | -0.07% | 2.02% | 1.35% | 0.87% | +192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.33% | 0.23% | 0.54% | 3.91% | +362 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.54% | 1.55% | 1.59% | 1.62% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.28% | 15.27% | 15.74% | 15.88% | 16.03% | +75 bps | |
| Net Worth / Assets | 15.28% | 15.27% | 15.74% | 15.88% | 16.03% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.51% | 43.53% | 43.72% | 42.64% | 41.51% | -400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |