Feasterville, PA · Charter 6761
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.52% | -0.23% | 0.05% | 0.06% | -8 bps | |
| Return on Equity | 0.67% | 2.49% | -1.12% | 0.23% | 0.25% | -42 bps | |
| Net Interest Margin | 2.32% | 1.88% | 1.53% | 1.70% | 1.64% | -69 bps | |
| Efficiency Ratio | 94.70% | 76.95% | 111.36% | 97.97% | 97.70% | +300 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.66% | -13.72% | -13.70% | -10.26% | -11.17% | -150 bps | |
| Loan Growth (YoY) | -10.79% | -12.83% | -24.26% | -19.62% | -15.86% | -507 bps | |
| Share Growth (YoY) | -13.04% | -17.19% | -16.75% | -13.30% | -13.70% | -65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.45% | 12.80% | 15.08% | 11.48% | 11.58% | -287 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.08% | 12.48% | 13.76% | 14.60% | 14.73% | +265 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.67% | 20.79% | 20.55% | 21.32% | 22.71% | +304 bps | |
| Net Worth / Assets | 19.67% | 20.79% | 20.55% | 21.32% | 22.71% | +304 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.90% | 23.53% | 21.15% | 21.23% | 22.33% | -57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |