Latrobe, PA · Charter 6691
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Latrobe, PA · Charter 6691
Q3 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.71% | -0.80% | -1.06% | -1.10% | -1.33% | -62 bps | |
| Return on Equity | -2.45% | -2.77% | -3.76% | -3.94% | -4.74% | -229 bps | |
| Net Interest Margin | 1.12% | 1.13% | 1.04% | 1.03% | 1.03% | -9 bps | |
| Efficiency Ratio | 161.12% | 169.48% | 199.55% | 205% | 225% | +6,394 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.52% | -2.51% | -2.10% | -1.38% | -1.43% | +9 bps | |
| Loan Growth (YoY) | -3.91% | -0.71% | -0.01% | -10.80% | -17.89% | -1,399 bps | |
| Share Growth (YoY) | -1.31% | -2.43% | -1.61% | -0.38% | -0.17% | +114 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.21% | 0.43% | 0.41% | 0.31% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.32% | 3.03% | 3.28% | 3.24% | 3.35% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.83% | 29.05% | 28.21% | 28.00% | 27.99% | -84 bps | |
| Net Worth / Assets | 28.83% | 29.05% | 28.21% | 28.00% | 27.99% | -84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 5.00% | 5.02% | 4.49% | 4.25% | 4.11% | -89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |