Pittsburgh, PA · Charter 7844
NCUA · 1 branch
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.73% | 0.77% | 0.66% | -2.45% | -0.68% | -1.43% | -1.36% | -202 bps | |
| Return on Equity | 5.42% | 8.88% | 8.93% | 6.91% | -27.60% | -7.28% | -15.03% | -11.94% | -1,885 bps | |
| Net Interest Margin | 3.91% | 4.17% | 4.49% | 5.11% | 5.36% | 5.58% | 6.10% | 7.25% | +213 bps | |
| Efficiency Ratio | 87.58% | 83.94% | 84.00% | 87.16% | 87.85% | 82.32% | 84.58% | 90.92% | +377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.56% | -8.33% | -8.54% | -11.86% | -10.75% | -13.04% | -18.69% | -24.58% | -1,272 bps | |
| Loan Growth (YoY) | 32.07% | 28.00% | 45.37% | 48.32% | 21.17% | 3.73% | -2.99% | -16.60% | -6,493 bps | |
| Share Growth (YoY) | -6.96% | -9.45% | -10.84% | -13.77% | -11.65% | -14.08% | -18.81% | -25.63% | -1,186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.18% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.42% | 0.45% | 0.51% | 0.88% | 1.09% | 1.50% | 1.36% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 8.17% | 8.58% | 9.62% | 8.89% | 9.30% | 9.50% | 11.39% | +177 bps | |
| Net Worth / Assets | 8.00% | 8.17% | 8.58% | 9.62% | 8.89% | 9.30% | 9.50% | 11.39% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.61% | 46.59% | 52.41% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |