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N E Blue Cross Employees

Wilkes-Barre, PA · Charter 16505

Q3 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: Q3 2014, the quarter ended September 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

N E Blue Cross Employees

Wilkes-Barre, PA · Charter 16505

Q3 2014

$2.5MAssets
$326KLoans
$2.4MShares
$150KNet 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 -0.87%, down 55 bps year over year; NIM at 1.41%.
  • Asset quality: problem loans at 1.21% of loans (+121 bps YoY).
  • Capital: net worth / assets of 5.92%, down 122 bps from a year ago.
  • Funding: loans stand at 13.66% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.87%-55 bps YoY

Net Interest Margin (YTD, annualized)

1.41%+44 bps YoY

Efficiency Ratio (YTD, annualized)

103.17%-1,256 bps YoY

Net Worth / Assets

5.92%-122 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.33%-0.36%-1.06%-1.27%-0.87%-55 bps
Return on Equity-4.58%-4.79%-16.03%-20.66%-14.74%-1,016 bps
Net Interest Margin0.96%1.55%1.57%1.40%1.41%+44 bps
Efficiency Ratio115.72%106.20%91.29%110.42%103.17%-1,256 bps
Growth
Asset Growth (YoY)-7.72%-10.97%-8.10%3.86%7.25%+1,497 bps
Loan Growth (YoY)-4.70%-8.90%-13.40%-21.76%-17.18%-1,248 bps
Share Growth (YoY)-7.80%-11.46%-8.16%4.96%8.66%+1,646 bps
Asset Quality
Delinquent Loans / Loans0.00%3.50%3.55%3.74%1.21%+121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%1.73%2.52%3.31%3.43%+149 bps
Capital
Risk-Based Capital7.14%7.51%6.60%6.15%5.92%-122 bps
Net Worth / Assets7.14%7.51%6.60%6.15%5.92%-122 bps
Liquidity & Funding
Loans / Shares17.92%18.28%13.69%13.36%13.66%-426 bps
Liquid Assets / Assets0.00%0.00%96.29%0.00%0.00%0 bps