Scranton, PA · Charter 9198
NCUA · 5 branches
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.25% | -0.91% | -1.51% | -0.06% | -2.13% | -1.32% | -0.97% | +53 bps | |
| Return on Equity | -1.60% | -3.16% | -12.30% | -23.22% | -0.97% | -39.04% | -23.77% | -17.43% | +579 bps | |
| Net Interest Margin | 2.78% | 2.74% | 2.69% | 2.58% | 2.38% | 2.42% | 2.42% | 2.40% | -18 bps | |
| Efficiency Ratio | 91.71% | 90.99% | 102.47% | 118.58% | 85.05% | 85.46% | 83.82% | 82.57% | -3,601 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.25% | 13.19% | 9.26% | 6.78% | 2.00% | 0.52% | -0.12% | -1.22% | -800 bps | |
| Loan Growth (YoY) | 13.27% | 15.41% | 7.57% | 1.38% | -4.51% | -10.38% | -10.87% | -10.00% | -1,139 bps | |
| Share Growth (YoY) | 16.53% | 15.28% | 11.27% | 9.62% | 3.72% | 3.33% | 1.87% | -0.26% | -988 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 2.70% | 3.09% | 2.63% | 1.83% | 2.27% | 2.83% | 2.20% | -43 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 | 1.29% | 1.31% | 1.41% | 1.41% | 1.47% | 2.86% | 2.86% | 2.70% | +129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.11% | 8.00% | 7.40% | 6.48% | 6.42% | 5.45% | 5.55% | 5.57% | -92 bps | |
| Net Worth / Assets | 8.11% | 8.00% | 7.40% | 6.48% | 6.42% | 5.45% | 5.55% | 5.57% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.86% | 86.03% | 82.99% | 78.08% | 76.29% | 74.61% | 72.61% | 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 | |