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C G H

New Kensington, PA · Charter 15373

Q2 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: Q2 2014, the quarter ended June 30, 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 2026-10-11

C G H

New Kensington, PA · Charter 15373

Q2 2014

$2.9MAssets
$1.2MLoans
$2.8MShares
$86KNet 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 -5.47%, down 521 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 11.03% of loans (-1,295 bps YoY).
  • Capital: net worth / assets of 3.01%, down 489 bps from a year ago.
  • Funding: loans stand at 42.63% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-5.47%-521 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+29 bps YoY

Efficiency Ratio (YTD, annualized)

174.91%+6,584 bps YoY

Net Worth / Assets

3.01%-489 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-0.25%-3.56%-4.34%-2.28%-5.47%-521 bps
Return on Equity-3.21%-65.12%-80.66%-48.77%-181.37%-17,816 bps
Net Interest Margin3.33%3.39%3.85%3.52%3.61%+29 bps
Efficiency Ratio109.07%108.10%114.14%164.70%174.91%+6,584 bps
Growth
Asset Growth (YoY)-3.10%-1.19%-13.51%-21.22%-22.69%-1,959 bps
Loan Growth (YoY)-20.20%-29.30%-25.09%-27.25%-31.47%-1,127 bps
Share Growth (YoY)-1.77%3.24%-10.65%-18.84%-18.45%-1,668 bps
Asset Quality
Delinquent Loans / Loans23.98%17.78%14.49%12.82%11.03%-1,295 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.58%7.64%7.88%6.67%7.27%+169 bps
Capital
Risk-Based Capital7.90%5.46%5.37%4.67%3.01%-489 bps
Net Worth / Assets7.90%5.46%5.37%4.67%3.01%-489 bps
Liquidity & Funding
Loans / Shares50.73%42.13%48.09%42.19%42.63%-810 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps