PackageTrendsPeer
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Calkins Newspapers

Levittown, PA · Charter 12914

Q1 2008

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: Q1 2008, the quarter ended March 31, 2008, 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

Calkins Newspapers

Levittown, PA · Charter 12914

Q1 2008

$1.3MAssets
$392KLoans
$1.1MShares
$146KNet 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 -26.06%, down 2,584 bps year over year; NIM at -13.64%.
  • Asset quality: problem loans at 9.12% of loans (-795 bps YoY).
  • Capital: net worth / assets of 11.61%, down 429 bps from a year ago.
  • Funding: loans stand at 35.38% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-26.06%-2,584 bps YoY

Net Interest Margin (YTD, annualized)

-13.64%-1,782 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

11.61%-429 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-0.21%0.64%10.35%0.30%-26.06%-2,584 bps
Return on Equity-1.35%4.09%60.68%1.76%-224%-22,307 bps
Net Interest Margin4.18%4.59%14.71%4.65%-13.64%-1,782 bps
Efficiency Ratio105.08%86.02%29.72%93.53%n/an/a
Growth
Asset Growth (YoY)-11.86%-10.48%-8.06%-3.20%-10.41%+146 bps
Loan Growth (YoY)-1.05%4.76%-4.85%-5.00%6.43%+747 bps
Share Growth (YoY)-14.06%-12.54%-9.84%-4.15%-5.59%+847 bps
Asset Quality
Delinquent Loans / Loans17.08%4.55%7.20%7.06%9.12%-795 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.90%7.08%5.95%6.77%7.40%+50 bps
Capital
Risk-Based Capital15.90%15.75%17.06%17.10%11.61%-429 bps
Net Worth / Assets15.90%15.75%17.06%17.10%11.61%-429 bps
Liquidity & Funding
Loans / Shares31.38%31.65%34.79%34.95%35.38%+400 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps