Charleroi, PA · Charter 838
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
91
Profitability
73
Liquidity
95
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Charleroi, PA · Charter 838
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 | 0.44% | 0.36% | 0.29% | 0.56% | 0.91% | +48 bps | |
| Return on Equity | 5.40% | 4.54% | 3.50% | 6.37% | 10.01% | +461 bps | |
| Net Interest Margin | 3.59% | 3.39% | 3.25% | 3.62% | 4.15% | +55 bps | |
| Efficiency Ratio | 84.31% | 71.81% | 81.48% | 79.78% | 76.93% | -738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.04% | -11.43% | -5.87% | -5.29% | -10.66% | -62 bps | |
| Loan Growth (YoY) | -6.09% | -13.44% | -15.91% | -22.46% | -25.39% | -1,929 bps | |
| Share Growth (YoY) | -11.36% | -12.83% | -7.18% | -6.34% | -11.51% | -16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.39% | 0.08% | 0.00% | 0.02% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.06% | 7.94% | 8.17% | 8.84% | 9.13% | +107 bps | |
| Net Worth / Assets | 8.06% | 7.94% | 8.17% | 8.84% | 9.13% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.28% | 77.30% | 73.16% | 70.17% | 71.06% | -1,321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charleroi, PA · Charter 838 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.92%
Rank 610 of 1,724
Net Interest Margin
4.15%
Rank 495 of 1,723
Efficiency Ratio
76.89%
Rank 771 of 1,721
Equity / Assets
9.14%
Rank 1,478 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.25% | 0.67% | 1.13% | Beats 65% | 610 / 1,724 | |
| Return on Equity | 10.05% | 1.95% | 5.34% | 8.54% | Beats 84% | 275 / 1,723 | |
| Net Interest Margin | 4.15% | 3.03% | 3.61% | 4.27% | Beats 71% | 495 / 1,723 | |
| Efficiency Ratio | 76.89% | 69.84% | 78.36% | 87.50% | Beats 55% | 771 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.28% | 0.70% | 1.38% | Beats 91% | 153 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.13% | 10.16% | 12.41% | 16.03% | Beats 14% | 1,480 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.14% | 10.15% | 12.41% | 16.03% | Beats 14% | 1,478 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.06% | 55.95% | 72.66% | 85.34% | 47th pctl | 905 / 1,722 | |
| Loans / Assets | 64.57% | 47.91% | 62.00% | 72.82% | 56th pctl | 764 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||