Danville, PA · Charter 9493
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Danville, PA · Charter 9493
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.20% | 0.33% | 0.29% | 0.28% | +13 bps | |
| Return on Equity | 1.73% | 2.30% | 3.91% | 3.38% | 3.25% | +152 bps | |
| Net Interest Margin | 2.49% | 2.54% | 2.52% | 2.52% | 2.66% | +17 bps | |
| Efficiency Ratio | 95.01% | 92.66% | 90.27% | 89.46% | 89.80% | -521 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.87% | -2.81% | -1.65% | 1.57% | 1.60% | +448 bps | |
| Loan Growth (YoY) | 2.77% | 7.48% | 12.28% | 14.82% | 15.78% | +1,301 bps | |
| Share Growth (YoY) | -2.51% | -2.28% | -1.45% | 1.38% | 0.96% | +348 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.86% | 2.33% | 1.61% | 1.93% | 1.81% | -106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.43% | 0.42% | 0.39% | 0.37% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.51% | 8.64% | 8.52% | 8.43% | 8.67% | +16 bps | |
| Net Worth / Assets | 8.51% | 8.64% | 8.52% | 8.43% | 8.67% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.40% | 64.77% | 63.51% | 66.82% | 72.71% | +931 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |