Allentown, PA · Charter 9083
NCUA · 1 branch
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.43% | -1.06% | -0.58% | -0.34% | -1.51% | -8 bps | |
| Return on Equity | -25.53% | -19.37% | -11.22% | -6.47% | -35.60% | -1,008 bps | |
| Net Interest Margin | 2.74% | 2.73% | 2.77% | 2.88% | 2.94% | +20 bps | |
| Efficiency Ratio | 114.62% | 114.23% | 118.15% | 110.17% | 145.78% | +3,116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.29% | 3.48% | 3.89% | 1.83% | 3.97% | +425 bps | |
| Loan Growth (YoY) | 14.76% | 18.21% | 15.45% | 14.66% | 4.91% | -985 bps | |
| Share Growth (YoY) | 1.17% | 4.93% | 5.27% | 2.92% | 5.53% | +435 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.79% | 0.88% | 0.29% | 0.67% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.64% | 0.56% | 0.52% | 0.18% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.61% | 5.47% | 5.21% | 5.24% | 4.25% | -136 bps | |
| Net Worth / Assets | 5.61% | 5.47% | 5.21% | 5.24% | 4.25% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.32% | 71.58% | 69.15% | 73.11% | 70.90% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |