PackageTrendsPeer
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Clarion University

Clarion, PA · Charter 17156

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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

Clarion University

Clarion, PA · Charter 17156

Q2 2008

$6.4MAssets
$4.2MLoans
$5.7MShares
$653KNet Worth

Executive Summary

  • Earnings: ROA of -1.27%, down 222 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.35% of loans (+34 bps YoY).
  • Capital: net worth / assets of 10.28%, down 77 bps from a year ago.
  • Funding: loans stand at 74.03% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

-1.27%-222 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-36 bps YoY

Efficiency Ratio (YTD, annualized)

131.54%+4,344 bps YoY

Net Worth / Assets

10.28%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.13%0.26%0.88%0.95%0.73%0.19%0.19%-1.27%-222 bps
Return on Equity1.02%2.04%7.35%8.61%6.17%1.78%1.82%-12.36%-2,097 bps
Net Interest Margin4.58%4.67%4.59%4.06%4.34%4.14%3.75%3.69%-36 bps
Efficiency Ratio89.54%87.01%82.51%88.10%83.93%101.22%95.13%131.54%+4,344 bps
Growth
Asset Growth (YoY)-7.50%-5.79%-1.97%14.96%12.96%19.92%13.28%-1.36%-1,632 bps
Loan Growth (YoY)-11.80%-5.10%-0.95%1.16%6.68%4.20%-2.53%0.51%-65 bps
Share Growth (YoY)-6.49%-6.88%-2.57%16.45%14.07%23.03%15.45%0.50%-1,595 bps
Asset Quality
Delinquent Loans / Loans0.46%0.56%1.26%1.00%0.62%0.70%1.52%1.35%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.46%0.51%0.48%0.15%0.12%0.12%0.12%0.10%-5 bps
Capital
Risk-Based Capital12.57%12.83%12.02%11.05%11.83%10.89%10.66%10.28%-77 bps
Net Worth / Assets12.57%12.83%12.02%11.05%11.83%10.89%10.66%10.28%-77 bps
Liquidity & Funding
Loans / Shares85.06%88.10%83.04%74.02%79.55%74.63%70.11%74.03%+1 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps