Pittsburgh, PA · Charter 67250
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 | -0.10% | -0.03% | -0.03% | -0.03% | -0.09% | -0.08% | -0.30% | -1.06% | -103 bps | |
| Return on Equity | -0.66% | -0.19% | -0.21% | -0.18% | -0.57% | -0.48% | -1.79% | -6.48% | -630 bps | |
| Net Interest Margin | 2.11% | 2.16% | 2.35% | 5.14% | 2.45% | 2.52% | 2.65% | 2.69% | -245 bps | |
| Efficiency Ratio | 103.79% | 100.53% | 99.01% | 100.53% | 102.21% | 102.00% | 107.80% | 135.07% | +3,454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.97% | -3.78% | -3.62% | -8.24% | -5.75% | -6.95% | -4.70% | -4.51% | +373 bps | |
| Loan Growth (YoY) | -0.29% | -5.09% | -10.16% | -6.46% | -7.27% | -7.19% | -7.27% | -9.11% | -265 bps | |
| Share Growth (YoY) | -8.92% | -4.13% | -4.59% | -10.43% | -7.43% | -8.75% | -5.79% | -4.99% | +544 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.41% | 1.16% | 1.25% | 1.16% | 0.44% | 0.27% | 0.49% | -76 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 | 1.21% | 1.17% | 1.29% | 1.57% | 1.39% | 1.41% | 1.45% | 1.52% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.55% | 15.40% | 16.48% | 16.10% | 16.48% | 16.48% | 16.99% | 16.31% | +21 bps | |
| Net Worth / Assets | 15.55% | 15.40% | 16.48% | 16.10% | 16.48% | 16.48% | 16.99% | 16.31% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.90% | 24.38% | 25.42% | 24.58% | 25.95% | 24.79% | 25.02% | 23.52% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |