Danville, PA · Charter 68655
NCUA · 6 branches
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.02% | 0.79% | 0.74% | 0.71% | 0.67% | 0.45% | 0.55% | -19 bps | |
| Return on Equity | 11.48% | 10.97% | 8.58% | 8.35% | 7.93% | 7.74% | 5.57% | 6.76% | -159 bps | |
| Net Interest Margin | 3.61% | 3.56% | 3.24% | 3.01% | 2.94% | 2.80% | 2.52% | 2.44% | -57 bps | |
| Efficiency Ratio | 72.52% | 72.36% | 73.73% | 73.70% | 75.51% | 77.55% | 82.63% | 79.09% | +539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.01% | 3.42% | 3.17% | 8.88% | 11.91% | 16.61% | 22.97% | 17.87% | +899 bps | |
| Loan Growth (YoY) | -1.01% | -6.57% | -8.18% | -7.82% | -5.67% | -4.56% | -1.38% | 2.20% | +1,003 bps | |
| Share Growth (YoY) | 4.04% | 3.02% | 1.29% | 8.50% | 11.83% | 17.00% | 25.58% | 19.02% | +1,051 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 2.47% | 2.53% | 2.28% | 2.15% | 2.73% | 1.18% | 1.21% | -107 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.11% | 0.10% | 0.09% | 0.08% | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 0.56% | 0.56% | 0.61% | 0.63% | 0.62% | 0.60% | 0.58% | 0.56% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 9.31% | 9.23% | 8.87% | 8.89% | 8.65% | 8.07% | 8.09% | -78 bps | |
| Net Worth / Assets | 9.12% | 9.31% | 9.23% | 8.87% | 8.89% | 8.65% | 8.07% | 8.09% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.72% | 80.70% | 76.36% | 70.76% | 69.77% | 65.82% | 59.97% | 60.76% | -999 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |