PackageTrendsPeer
Letter portraitLegal landscape

Quaker Metals Emp

Lancaster, PA · Charter 12421

Q4 2014

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 2014, the quarter ended December 31, 2014, 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 2026-10-10

Quaker Metals Emp

Lancaster, PA · Charter 12421

Q4 2014

$10.4MAssets
$5.3MLoans
$9.3MShares
$1.3MNet 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 -5.54%, down 514 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 1.39% of loans (+36 bps YoY).
  • Capital: net worth / assets of 12.46%, down 261 bps from a year ago.
  • Funding: loans stand at 57.73% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-5.54%-514 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+33 bps YoY

Efficiency Ratio (YTD, annualized)

208%+10,219 bps YoY

Net Worth / Assets

12.46%-261 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.40%-0.47%-0.69%-0.68%-5.54%-514 bps
Return on Equity-2.65%-2.99%-4.40%-4.19%-44.44%-4,179 bps
Net Interest Margin3.02%3.08%3.07%3.19%3.35%+33 bps
Efficiency Ratio105.88%112.30%112.36%112.35%208%+10,219 bps
Growth
Asset Growth (YoY)-4.40%-14.51%-11.61%-11.87%-16.28%-1,189 bps
Loan Growth (YoY)-0.69%4.83%4.84%-0.66%-5.53%-484 bps
Share Growth (YoY)-4.90%-16.32%-13.10%-13.34%-11.08%-618 bps
Asset Quality
Delinquent Loans / Loans1.03%1.13%0.79%0.71%1.39%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.34%0.39%0.38%0.49%+4 bps
Capital
Risk-Based Capital15.06%15.86%15.78%16.14%12.46%-261 bps
Net Worth / Assets15.06%15.86%15.78%16.14%12.46%-261 bps
Liquidity & Funding
Loans / Shares54.33%58.75%60.38%60.68%57.73%+339 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps