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Ugi Employees

Wyomissing, PA · Charter 12020

NCUA · 1 branch

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Ugi Employees

Wyomissing, PA · Charter 12020

NCUA · 1 branch

Q3 2017

$15.4MAssets
$10.6MLoans
$14.4MShares
$976KNet 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 -1.43%, down 195 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.92% of loans (+82 bps YoY).
  • Capital: net worth / assets of 6.33%, down 104 bps from a year ago.
  • Funding: loans stand at 73.85% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.43%-195 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-36 bps YoY

Efficiency Ratio (YTD, annualized)

86.12%-160 bps YoY

Net Worth / Assets

6.33%-104 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.53%0.35%-2.85%-2.99%-1.43%-195 bps
Return on Equity7.14%4.97%-46.56%-53.18%-22.59%-2,973 bps
Net Interest Margin4.34%4.20%3.79%3.88%3.98%-36 bps
Efficiency Ratio87.72%90.07%85.16%87.76%86.12%-160 bps
Growth
Asset Growth (YoY)-4.42%-2.68%-1.92%-3.03%0.09%+451 bps
Loan Growth (YoY)-0.83%-0.76%0.35%2.33%-10.26%-943 bps
Share Growth (YoY)-5.33%-3.27%-1.77%-2.06%1.27%+660 bps
Asset Quality
Delinquent Loans / Loans0.10%0.53%0.79%0.19%0.92%+82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.10%2.08%2.69%2.52%+118 bps
Capital
Risk-Based Capital7.37%7.13%6.12%5.62%6.33%-104 bps
Net Worth / Assets7.37%7.13%6.12%5.62%6.33%-104 bps
Liquidity & Funding
Loans / Shares83.34%82.15%76.10%76.28%73.85%-949 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps