Erie, PA · Charter 776
NCUA · 1 branch
Q4 2021
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.85% | -2.17% | -1.75% | -2.45% | -4.51% | -366 bps | |
| Return on Equity | -5.72% | -18.18% | -14.42% | -21.18% | -45.06% | -3,934 bps | |
| Net Interest Margin | 2.29% | 1.47% | 1.67% | 1.57% | 0.93% | -136 bps | |
| Efficiency Ratio | 130.04% | 162.10% | 158.20% | 172.20% | 333% | +20,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.40% | 23.38% | 7.40% | 10.53% | 2.26% | -613 bps | |
| Loan Growth (YoY) | -22.28% | -33.22% | -26.94% | -27.84% | -36.97% | -1,469 bps | |
| Share Growth (YoY) | 11.19% | 29.27% | 10.36% | 15.08% | 7.83% | -336 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.73% | 0.10% | 0.95% | 0.99% | 0.00% | -373 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 3.24% | 3.27% | 7.82% | 9.81% | +888 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.84% | 11.95% | 12.16% | 11.55% | 10.00% | -484 bps | |
| Net Worth / Assets | 14.84% | 11.95% | 12.16% | 11.55% | 10.00% | -484 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.51% | 6.86% | 7.07% | 6.89% | 6.14% | -436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |