Northampton, PA · Charter 65504
NCUA · 1 branch
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.68% | 0.63% | 0.86% | 0.84% | 1.01% | 0.95% | 1.15% | +29 bps | |
| Return on Equity | 3.68% | 4.44% | 4.16% | 5.63% | 5.47% | 6.43% | 5.95% | 7.19% | +155 bps | |
| Net Interest Margin | 2.19% | 2.27% | 2.22% | 2.21% | 2.20% | 2.25% | 2.23% | 2.41% | +20 bps | |
| Efficiency Ratio | 63.37% | 62.21% | 65.37% | 61.36% | 62.29% | 56.88% | 58.90% | 52.47% | -890 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.76% | 1.01% | 2.17% | -0.24% | 0.67% | 2.59% | 2.04% | 1.75% | +199 bps | |
| Loan Growth (YoY) | -5.12% | -2.54% | -1.88% | -3.11% | -8.76% | -11.77% | -10.06% | -7.99% | -488 bps | |
| Share Growth (YoY) | 2.61% | 0.51% | 1.82% | -1.06% | -0.07% | 2.02% | 1.35% | 0.87% | +192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.90% | 0.31% | 0.30% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 1.37% | 1.43% | 1.49% | 1.54% | 1.55% | 1.59% | 1.62% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.60% | 15.23% | 15.24% | 15.28% | 15.27% | 15.74% | 15.88% | 16.03% | +75 bps | |
| Net Worth / Assets | 14.60% | 15.23% | 15.24% | 15.28% | 15.27% | 15.74% | 15.88% | 16.03% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.68% | 50.55% | 48.04% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |