Johnstown, PA · Charter 7832
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Johnstown, PA · Charter 7832
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | -0.34% | -1.52% | -0.68% | -0.14% | -0.08% | 0.27% | -1.49% | -81 bps | |
| Return on Equity | 0.45% | -2.33% | -10.65% | -4.68% | -0.93% | -0.54% | 1.77% | -10.17% | -549 bps | |
| Net Interest Margin | 3.06% | 3.06% | 2.91% | 2.96% | 3.03% | 3.06% | 2.97% | 2.16% | -81 bps | |
| Efficiency Ratio | 93.56% | 96.82% | 99.29% | 100.13% | 99.60% | 101.57% | 102.63% | 152.84% | +5,271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.02% | 0.78% | -2.35% | -3.19% | -5.03% | -6.89% | -4.67% | -3.63% | -43 bps | |
| Loan Growth (YoY) | -5.18% | -8.03% | -12.74% | -14.66% | -18.51% | -17.85% | -16.65% | -26.12% | -1,146 bps | |
| Share Growth (YoY) | 3.58% | 1.24% | -1.81% | -2.75% | -5.27% | -7.89% | -5.80% | -3.76% | -101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.62% | 0.13% | 0.31% | 0.58% | 0.65% | 0.59% | 0.00% | -31 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 | 0.84% | 1.48% | 1.64% | 1.62% | 1.48% | 1.26% | 1.08% | 0.96% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.96% | 14.50% | 14.24% | 14.59% | 15.23% | 15.48% | 15.32% | 14.66% | +7 bps | |
| Net Worth / Assets | 14.96% | 14.50% | 14.24% | 14.59% | 15.23% | 15.48% | 15.32% | 14.66% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.49% | 50.96% | 47.80% | 47.22% | 46.02% | 45.45% | 42.30% | 36.25% | -1,097 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |