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Alloy Scottdale

Scottdale, PA · Charter 11546

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

Alloy Scottdale

Scottdale, PA · Charter 11546

Q4 2015

$198KAssets
$87KLoans
$152KShares
$46KNet 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 -3.60%, down 343 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 2.22% of loans (-65 bps YoY).
  • Capital: net worth / assets of 23.17%, up 25 bps from a year ago.
  • Funding: loans stand at 57.58% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-3.60%-343 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+13 bps YoY

Efficiency Ratio (YTD, annualized)

172.11%+2,065 bps YoY

Net Worth / Assets

23.17%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.17%-5.75%-4.13%-3.53%-3.60%-343 bps
Return on Equity-0.73%-28.27%-19.32%-16.23%-15.54%-1,481 bps
Net Interest Margin3.32%2.62%2.97%3.13%3.45%+13 bps
Efficiency Ratio151.46%181.68%173.67%169.76%172.11%+2,065 bps
Growth
Asset Growth (YoY)-12.98%-9.01%-9.11%-9.43%-14.39%-141 bps
Loan Growth (YoY)-7.41%-0.52%21.98%14.38%13.94%+2,135 bps
Share Growth (YoY)-16.08%-9.47%-8.86%-9.00%-14.69%+138 bps
Asset Quality
Delinquent Loans / Loans2.86%5.15%3.89%3.68%2.22%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.72%3.01%2.60%2.50%2.38%-33 bps
Capital
Risk-Based Capital22.92%20.33%21.36%21.78%23.17%+25 bps
Net Worth / Assets22.92%20.33%21.36%21.78%23.17%+25 bps
Liquidity & Funding
Loans / Shares43.11%35.73%45.14%49.31%57.58%+1,447 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps