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 | |