Pittsburgh, PA · Charter 7844
NCUA · 1 branch
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | -2.45% | -0.68% | -1.43% | -1.36% | -202 bps | |
| Return on Equity | 6.91% | -27.60% | -7.28% | -15.03% | -11.94% | -1,885 bps | |
| Net Interest Margin | 5.11% | 5.36% | 5.58% | 6.10% | 7.25% | +213 bps | |
| Efficiency Ratio | 87.16% | 87.85% | 82.32% | 84.58% | 90.92% | +377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.86% | -10.75% | -13.04% | -18.69% | -24.58% | -1,272 bps | |
| Loan Growth (YoY) | 48.32% | 21.17% | 3.73% | -2.99% | -16.60% | -6,493 bps | |
| Share Growth (YoY) | -13.77% | -11.65% | -14.08% | -18.81% | -25.63% | -1,186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 1.62% | 0.18% | 0.23% | 0.65% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.88% | 1.09% | 1.50% | 1.36% | +85 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.62% | 8.89% | 9.30% | 9.50% | 11.39% | +177 bps | |
| Net Worth / Assets | 9.62% | 8.89% | 9.30% | 9.50% | 11.39% | +177 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.82% | 57.07% | 56.25% | 62.63% | 70.45% | +763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |