Warminster, PA · Charter 68564
NCUA · 3 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.03% | -0.25% | -0.21% | -0.39% | 0.02% | 0.09% | 0.38% | +59 bps | |
| Return on Equity | 0.60% | 0.33% | -2.71% | -2.32% | -4.45% | 0.26% | 1.10% | 4.22% | +654 bps | |
| Net Interest Margin | 3.43% | 2.99% | 2.58% | 2.55% | 2.55% | 2.34% | 2.41% | 2.43% | -12 bps | |
| Efficiency Ratio | 91.61% | 91.65% | 98.39% | 100.08% | 99.80% | 99.39% | 97.08% | 88.54% | -1,154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 5.72% | 17.35% | 20.89% | 15.87% | 16.64% | 3.85% | 2.48% | -1,841 bps | |
| Loan Growth (YoY) | -7.97% | -2.93% | 0.11% | 4.06% | 13.68% | 19.00% | 31.38% | 26.18% | +2,212 bps | |
| Share Growth (YoY) | 3.27% | 5.74% | 19.42% | 23.70% | 18.22% | 19.57% | 4.87% | 3.21% | -2,049 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.06% | 1.35% | 0.55% | 2.25% | 1.93% | 0.40% | 1.59% | +104 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 | 1.15% | 1.08% | 1.11% | 1.01% | 1.23% | 0.92% | 0.72% | 0.82% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.70% | 10.29% | 9.14% | 9.16% | 8.84% | 8.45% | 8.59% | 8.99% | -17 bps | |
| Net Worth / Assets | 10.70% | 10.29% | 9.14% | 9.16% | 8.84% | 8.45% | 8.59% | 8.99% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.72% | 54.73% | 47.95% | 49.12% | 52.62% | 54.47% | 60.07% | 60.06% | +1,093 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |