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Pacoe

Johnstown, PA · Charter 13740

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Pacoe

Johnstown, PA · Charter 13740

NCUA · 1 branch

Q3 2016

$4.7MAssets
$1.4MLoans
$3.9MShares
$859KNet 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 -1.34%, down 50 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.81% of loans (+57 bps YoY).
  • Capital: net worth / assets of 18.18%, down 1 bps from a year ago.
  • Funding: loans stand at 35.86% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.34%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.03%-21 bps YoY

Efficiency Ratio (YTD, annualized)

142.01%+960 bps YoY

Net Worth / Assets

18.18%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.83%-0.89%-0.93%-1.08%-1.34%-50 bps
Return on Equity-4.58%-4.71%-4.96%-5.86%-7.36%-277 bps
Net Interest Margin2.24%2.30%1.91%2.00%2.03%-21 bps
Efficiency Ratio132.41%125.24%144.71%143.58%142.01%+960 bps
Growth
Asset Growth (YoY)-3.89%-5.38%-7.69%-7.08%-4.22%-33 bps
Loan Growth (YoY)-0.44%-11.57%-12.25%-20.53%-24.00%-2,355 bps
Share Growth (YoY)-6.64%-6.26%-6.58%-5.68%-1.76%+488 bps
Asset Quality
Delinquent Loans / Loans0.24%1.28%0.46%0.50%0.81%+57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.10%0.16%0.25%0.60%-7 bps
Capital
Risk-Based Capital18.20%18.81%18.82%18.47%18.18%-1 bps
Net Worth / Assets18.20%18.81%18.82%18.47%18.18%-1 bps
Liquidity & Funding
Loans / Shares46.35%43.19%40.84%37.26%35.86%-1,049 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps