PackageTrendsPeer
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Kase

Vandergrift, PA · Charter 16242

NCUA · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Kase

Vandergrift, PA · Charter 16242

NCUA · 1 branch

Q3 2021

$953KAssets
$391KLoans
$843KShares
$109KNet Worth

Executive Summary

  • Earnings: ROA of -1.94%, down 169 bps year over year; NIM at 1.19%.
  • Asset quality: problem loans at 2.60% of loans (+260 bps YoY).
  • Capital: net worth / assets of 11.38%, down 290 bps from a year ago.
  • Funding: loans stand at 46.44% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

-1.94%-169 bps YoY

Net Interest Margin (YTD, annualized)

1.19%-136 bps YoY

Efficiency Ratio (YTD, annualized)

253%+14,341 bps YoY

Net Worth / Assets

11.38%-290 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-4.24%-0.93%-0.83%-0.25%-0.38%-3.20%-2.07%-1.94%-169 bps
Return on Equity-29.37%-6.80%-6.16%-1.72%-2.70%-22.99%-14.60%-17.00%-1,528 bps
Net Interest Margin3.02%2.33%2.14%2.55%2.44%1.41%1.58%1.19%-136 bps
Efficiency Ratio143.98%139.16%137.91%109.48%115.20%318%225%253%+14,341 bps
Growth
Asset Growth (YoY)-18.50%-8.98%-5.74%-5.94%0.06%-8.19%-5.28%8.32%+1,426 bps
Loan Growth (YoY)0.19%-4.63%-3.41%-1.56%-18.54%-27.39%-15.74%-23.46%-2,191 bps
Share Growth (YoY)-17.74%-7.34%-5.16%-6.01%0.41%-4.22%-6.16%11.70%+1,771 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%2.33%1.73%2.60%+260 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.22%1.25%1.38%1.41%1.50%1.72%1.64%-0.12%-153 bps
Capital
Risk-Based Capital14.42%13.66%13.39%14.28%14.03%13.93%14.18%11.38%-290 bps
Net Worth / Assets14.42%13.66%13.39%14.28%14.03%13.93%14.18%11.38%-290 bps
Liquidity & Funding
Loans / Shares77.44%72.11%64.81%67.77%62.83%54.67%58.20%46.44%-2,133 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps