Kingston, PA · Charter 7160
NCUA · 1 branch
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Kingston, PA · Charter 7160
NCUA · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.34% | 0.53% | 0.46% | 0.99% | 0.77% | 0.39% | 1.62% | +115 bps | |
| Return on Equity | 13.68% | 4.38% | 6.42% | 5.80% | 11.93% | 9.03% | 4.41% | 18.15% | +1,236 bps | |
| Net Interest Margin | 2.70% | 2.93% | 2.82% | 2.98% | 2.82% | 3.09% | 3.11% | 3.48% | +50 bps | |
| Efficiency Ratio | 69.31% | 86.05% | 80.19% | 79.62% | 64.77% | 77.69% | 85.56% | 60.59% | -1,903 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | 1.79% | -3.90% | -3.15% | -1.14% | -4.25% | -3.06% | -3.02% | +13 bps | |
| Loan Growth (YoY) | 7.57% | 3.27% | -0.23% | 4.46% | 6.81% | 2.30% | 4.48% | 3.02% | -144 bps | |
| Share Growth (YoY) | 1.51% | 1.31% | -4.78% | -4.11% | -2.17% | -5.02% | -3.73% | -3.88% | +23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.06% | 0.09% | 1.39% | 0.44% | 0.53% | 0.31% | +22 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 | 0.86% | 0.91% | 0.94% | 1.06% | 1.26% | 0.79% | 0.68% | 0.70% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.85% | 8.25% | 7.99% | 8.30% | 8.54% | 8.85% | 8.90% | +91 bps | |
| Net Worth / Assets | 7.43% | 7.85% | 8.25% | 7.99% | 8.30% | 8.54% | 8.85% | 8.90% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.05% | 55.69% | 58.03% | 55.97% | 56.83% | 59.98% | 62.98% | 59.98% | +402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |