Beaver, PA · Charter 7131
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Beaver, PA · Charter 7131
NCUA · 1 branch
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.14% | -0.11% | -0.14% | -0.27% | -0.83% | -0.77% | -0.70% | -56 bps | |
| Return on Equity | -1.06% | -1.87% | -1.32% | -1.79% | -3.41% | -10.14% | -9.17% | -8.40% | -661 bps | |
| Net Interest Margin | 2.97% | 2.94% | 3.10% | 3.00% | 2.94% | 3.26% | 2.97% | 3.17% | +17 bps | |
| Efficiency Ratio | 102.69% | 104.69% | 103.45% | 104.82% | 109.32% | 108.95% | 125.91% | 122.10% | +1,728 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -1.55% | -10.06% | -12.39% | -9.94% | -18.60% | -10.08% | -15.05% | -266 bps | |
| Loan Growth (YoY) | 10.53% | 9.45% | 2.80% | -13.25% | 2.49% | -2.81% | -4.41% | -0.14% | +1,311 bps | |
| Share Growth (YoY) | -1.34% | -1.57% | -10.82% | -13.25% | -10.49% | -19.30% | -10.32% | -15.28% | -204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.95% | 3.49% | 2.59% | 2.70% | 0.75% | 1.57% | 1.12% | 1.10% | -160 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 | 0.47% | 0.28% | 0.29% | 0.35% | 0.34% | 0.23% | 0.16% | 0.14% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.53% | 7.38% | 8.11% | 8.06% | 8.03% | 8.20% | 8.39% | 8.34% | +28 bps | |
| Net Worth / Assets | 7.53% | 7.38% | 8.11% | 8.06% | 8.03% | 8.20% | 8.39% | 8.34% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.73% | 73.68% | 80.29% | 76.18% | 82.13% | 88.73% | 85.58% | 89.81% | +1,362 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |