PackageTrendsPeer
Letter portraitLegal landscape

K and S Employees

Willow Grove, PA · Charter 15447

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

K and S Employees

Willow Grove, PA · Charter 15447

Q4 2009

$540KAssets
$16KLoans
$450KShares
$81KNet 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 -19.38%, down 1,850 bps year over year; NIM at -10.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.03%, down 1,528 bps from a year ago.
  • Funding: loans stand at 3.45% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-19.38%-1,850 bps YoY

Net Interest Margin (YTD, annualized)

-10.86%-1,417 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.03%-1,528 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.88%-3.89%-1.62%-1.76%-19.38%-1,850 bps
Return on Equity-2.90%-12.01%-5.01%-5.40%-128.99%-12,608 bps
Net Interest Margin3.31%2.92%2.72%2.56%-10.86%-1,417 bps
Efficiency Ratio126.19%138.27%151.14%162.32%n/an/a
Growth
Asset Growth (YoY)-15.07%-22.83%-13.41%-12.62%-11.91%+316 bps
Loan Growth (YoY)-33.71%-37.08%-36.36%-39.87%-42.90%-919 bps
Share Growth (YoY)-19.46%-28.88%-16.82%-15.67%5.69%+2,515 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans27.73%32.42%37.73%42.01%48.55%+2,083 bps
Capital
Risk-Based Capital30.31%32.36%32.36%32.54%15.03%-1,528 bps
Net Worth / Assets30.31%32.36%32.36%32.54%15.03%-1,528 bps
Liquidity & Funding
Loans / Shares6.39%6.19%5.30%4.87%3.45%-294 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps