Pittsburgh, PA · Charter 6690
NCUA · 1 branch
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -0.84% | -0.20% | -0.71% | -0.98% | -0.09% | -0.22% | 0.10% | +81 bps | |
| Return on Equity | 1.85% | -10.79% | -2.58% | -9.29% | -13.02% | -1.25% | -2.93% | 1.22% | +1,050 bps | |
| Net Interest Margin | 3.82% | 3.49% | 3.63% | 3.84% | 4.04% | 3.83% | 4.16% | 4.31% | +47 bps | |
| Efficiency Ratio | 89.37% | 92.23% | 93.43% | 90.66% | 90.90% | 99.27% | 95.37% | 93.00% | +234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 2.44% | 1.89% | -1.39% | -6.99% | -8.72% | -7.95% | -7.69% | -630 bps | |
| Loan Growth (YoY) | 12.13% | 19.05% | 18.75% | 11.55% | 7.07% | -0.31% | -3.76% | -6.74% | -1,829 bps | |
| Share Growth (YoY) | -0.14% | 2.86% | 2.61% | 0.07% | -6.43% | -8.38% | -7.72% | -7.95% | -802 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.60% | 0.90% | 1.00% | 1.04% | 0.52% | 0.42% | 0.70% | -30 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 | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.99% | 7.76% | 7.90% | 7.65% | 7.51% | 7.32% | 7.49% | 7.89% | +24 bps | |
| Net Worth / Assets | 7.99% | 7.76% | 7.90% | 7.65% | 7.51% | 7.32% | 7.49% | 7.89% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.68% | 80.06% | 86.31% | 88.71% | 91.17% | 87.10% | 90.02% | 89.88% | +117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |