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Autoclave Erie

Erie, PA · Charter 11303

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

Autoclave Erie

Erie, PA · Charter 11303

Q2 2013

$569KAssets
$450KLoans
$428KShares
$138KNet 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 -2.51%, down 239 bps year over year; NIM at 6.71%.
  • Asset quality: problem loans at 2.78% of loans (-277 bps YoY).
  • Capital: net worth / assets of 24.20%, up 238 bps from a year ago.
  • Funding: loans stand at 105.12% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.51%-239 bps YoY

Net Interest Margin (YTD, annualized)

6.71%+132 bps YoY

Efficiency Ratio (YTD, annualized)

97.57%-458 bps YoY

Net Worth / Assets

24.20%+238 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.12%-1.81%-0.31%-3.43%-2.51%-239 bps
Return on Equity-0.53%-7.54%-1.23%-13.64%-10.36%-983 bps
Net Interest Margin5.39%6.05%6.20%8.49%6.71%+132 bps
Efficiency Ratio102.16%100.98%105.00%76.09%97.57%-458 bps
Growth
Asset Growth (YoY)-8.73%-20.55%-24.60%-26.67%-19.48%-1,075 bps
Loan Growth (YoY)-0.80%-4.53%-14.71%-19.13%-18.71%-1,792 bps
Share Growth (YoY)-10.45%-24.31%-29.26%-31.18%-22.04%-1,159 bps
Asset Quality
Delinquent Loans / Loans5.55%9.44%19.45%11.83%2.78%-277 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%2.32%2.45%2.06%2.10%+137 bps
Capital
Risk-Based Capital21.82%24.02%25.17%25.18%24.20%+238 bps
Net Worth / Assets21.82%24.02%25.17%25.18%24.20%+238 bps
Liquidity & Funding
Loans / Shares100.82%113.17%115.26%111.18%105.12%+430 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps