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Noxen Community

Noxen, PA · Charter 10046

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Noxen Community

Noxen, PA · Charter 10046

Q4 2015

$1.5MAssets
$259KLoans
$1.1MShares
$356KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.30%, down 73 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 29.68% of loans (-398 bps YoY).
  • Capital: net worth / assets of 23.68%, up 107 bps from a year ago.
  • Funding: loans stand at 22.56% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.30%-73 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-59 bps YoY

Efficiency Ratio (YTD, annualized)

69.16%+1,829 bps YoY

Net Worth / Assets

23.68%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets1.04%0.26%0.41%0.43%0.30%-73 bps
Return on Equity4.59%1.15%1.80%1.81%1.28%-330 bps
Net Interest Margin2.73%2.55%2.38%2.31%2.15%-59 bps
Efficiency Ratio50.87%79.42%69.71%64.67%69.16%+1,829 bps
Growth
Asset Growth (YoY)-0.53%-2.07%-1.85%-6.66%-3.29%-276 bps
Loan Growth (YoY)-23.89%-24.14%-25.39%-18.67%-26.01%-212 bps
Share Growth (YoY)-1.98%-3.51%-2.89%-8.91%-4.63%-265 bps
Asset Quality
Delinquent Loans / Loans33.66%31.63%23.35%23.10%29.68%-398 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans16.98%19.11%17.17%19.87%23.00%+602 bps
Capital
Risk-Based Capital22.61%22.95%22.92%23.71%23.68%+107 bps
Net Worth / Assets22.61%22.95%22.92%23.71%23.68%+107 bps
Liquidity & Funding
Loans / Shares29.08%27.13%24.52%25.15%22.56%-652 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps