PackageTrendsPeer
Letter portraitLegal landscape

A M E Union

Philadelphia, PA · Charter 16121

Q4 2012

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 2012, the quarter ended December 31, 2012, 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

A M E Union

Philadelphia, PA · Charter 16121

Q4 2012

$18KAssets
$3KLoans
$17KShares
$1KNet 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 -9.85%, down 932 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 34.64% of loans (-2,198 bps YoY).
  • Capital: net worth / assets of 7.77%, down 105 bps from a year ago.
  • Funding: loans stand at 18.91% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-9.85%-932 bps YoY

Net Interest Margin (YTD, annualized)

2.19%+180 bps YoY

Efficiency Ratio (YTD, annualized)

359%-183 bps YoY

Net Worth / Assets

7.77%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.53%-2.95%-9.88%-9.65%-9.85%-932 bps
Return on Equity-5.99%-38.68%-104.34%-120.37%-126.66%-12,067 bps
Net Interest Margin0.38%1.40%1.83%2.05%2.19%+180 bps
Efficiency Ratio361%204%380%333%359%-183 bps
Growth
Asset Growth (YoY)6.69%4.63%-38.48%-45.12%-48.44%-5,513 bps
Loan Growth (YoY)298%495%150.13%-13.63%-14.43%-31,221 bps
Share Growth (YoY)15.35%12.16%-34.36%-41.61%-47.87%-6,322 bps
Asset Quality
Delinquent Loans / Loans56.62%45.47%37.69%43.16%34.64%-2,198 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.99%8.55%7.99%10.54%9.34%+135 bps
Capital
Risk-Based Capital8.83%7.62%9.47%8.02%7.77%-105 bps
Net Worth / Assets8.83%7.62%9.47%8.02%7.77%-105 bps
Liquidity & Funding
Loans / Shares11.52%9.42%17.24%14.53%18.91%+739 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps