Corapolis, PA · Charter 9147
NCUA · 1 branch
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.92% | 0.14% | 0.09% | -0.34% | -115 bps | |
| Return on Equity | 4.58% | 4.84% | 0.72% | 0.51% | -1.86% | -645 bps | |
| Net Interest Margin | 2.97% | 3.09% | 2.89% | 2.65% | 2.55% | -42 bps | |
| Efficiency Ratio | 61.63% | 62.38% | 64.65% | 79.72% | 95.22% | +3,359 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.73% | -1.64% | -3.11% | 1.06% | -2.71% | -99 bps | |
| Loan Growth (YoY) | 8.11% | 7.72% | 1.91% | -8.79% | -16.57% | -2,469 bps | |
| Share Growth (YoY) | -3.06% | -3.00% | -4.54% | 0.53% | -3.51% | -45 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.97% | 1.86% | 3.41% | 0.52% | -85 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.48% | 0.60% | 0.64% | 0.06% | -48 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.69% | 18.99% | 18.96% | 18.48% | 18.19% | +51 bps | |
| Net Worth / Assets | 17.69% | 18.99% | 18.96% | 18.48% | 18.19% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.11% | 76.94% | 73.16% | 66.55% | 60.61% | -949 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |