Butler, PA · Charter 9635
Q4 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.86% | 0.15% | -0.19% | -0.07% | -0.24% | +362 bps | |
| Return on Equity | -24.85% | 0.98% | -1.22% | -0.46% | -1.45% | +2,341 bps | |
| Net Interest Margin | -2.25% | 1.51% | 1.20% | 1.31% | 1.36% | +362 bps | |
| Efficiency Ratio | n/a | 89.80% | 115.47% | 105.37% | 117.57% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.54% | -3.00% | -0.50% | 0.42% | -8.63% | -309 bps | |
| Loan Growth (YoY) | -20.67% | -16.85% | 2.58% | -0.03% | -7.78% | +1,289 bps | |
| Share Growth (YoY) | -2.33% | 1.01% | 4.31% | 5.50% | -9.95% | -762 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.95% | 11.67% | 11.70% | 10.85% | 9.47% | -349 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.00% | 0.92% | 0.83% | 0.94% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.53% | 15.78% | 15.45% | 15.52% | 16.76% | +122 bps | |
| Net Worth / Assets | 15.53% | 15.78% | 15.45% | 15.52% | 16.76% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.33% | 8.79% | 9.43% | 9.74% | 9.56% | +22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |