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Tetley

Williamsport, PA · Charter 15856

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

Tetley

Williamsport, PA · Charter 15856

Q1 2003

$282KAssets
$79KLoans
$186KShares
$62KNet 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 -47.33%, down 4,703 bps year over year; NIM at -45.44%.
  • Asset quality: problem loans at 6.13% of loans (-310 bps YoY).
  • Capital: net worth / assets of 21.79%, down 1,525 bps from a year ago.
  • Funding: loans stand at 42.20% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-47.33%-4,703 bps YoY

Net Interest Margin (YTD, annualized)

-45.44%-4,937 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

21.79%-1,525 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-0.30%0.00%2.02%-0.30%-47.33%-4,703 bps
Return on Equity-0.80%-0.01%5.99%-0.83%-217%-21,638 bps
Net Interest Margin3.93%3.34%5.24%3.24%-45.44%-4,937 bps
Efficiency Ratio87.88%73.85%50.36%83.67%n/an/a
Growth
Asset Growth (YoY)4.04%10.70%16.38%-9.14%9.27%+523 bps
Loan Growth (YoY)-10.33%-25.08%-20.53%-36.65%-56.84%-4,651 bps
Share Growth (YoY)4.14%14.32%27.78%-10.63%18.38%+1,423 bps
Asset Quality
Delinquent Loans / Loans9.24%6.39%5.84%4.58%6.13%-310 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%1.82%1.98%3.56%4.66%+385 bps
Capital
Risk-Based Capital37.05%33.54%33.70%35.79%21.79%-1,525 bps
Net Worth / Assets37.05%33.54%33.70%35.79%21.79%-1,525 bps
Liquidity & Funding
Loans / Shares115.74%81.12%75.25%60.90%42.20%-7,355 bps
Liquid Assets / Assets28.50%47.39%13.88%60.47%71.45%+4,296 bps