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McKinley Memorial

Willow Grove, PA · Charter 17286

Q1 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: Q1 2012, the quarter ended March 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

McKinley Memorial

Willow Grove, PA · Charter 17286

Q1 2012

$79KAssets
$12KLoans
$43KShares
$36KNet 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 -2.82%, up 277 bps year over year; NIM at 0.92%.
  • Asset quality: problem loans at 23.25% of loans (+2,325 bps YoY).
  • Capital: net worth / assets of 45.58%, up 368 bps from a year ago.
  • Funding: loans stand at 28.76% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.82%+277 bps YoY

Net Interest Margin (YTD, annualized)

0.92%+46 bps YoY

Efficiency Ratio (YTD, annualized)

394%-92,246 bps YoY

Net Worth / Assets

45.58%+368 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-5.59%-3.17%-3.35%-2.94%-2.82%+277 bps
Return on Equity-13.35%-7.47%-7.80%-6.46%-6.20%+716 bps
Net Interest Margin0.46%0.49%0.81%0.94%0.92%+46 bps
Efficiency Ratio1317%747%490%400%394%-92,246 bps
Growth
Asset Growth (YoY)-6.83%-6.88%-12.56%-16.31%-10.77%-394 bps
Loan Growth (YoY)95.97%203%369%725%35.26%-6,072 bps
Share Growth (YoY)-4.52%-6.14%-13.65%-22.04%-16.39%-1,187 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%11.63%23.25%+2,325 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans31.22%26.72%23.37%23.08%23.08%-814 bps
Capital
Risk-Based Capital41.90%42.45%42.95%45.58%45.58%+368 bps
Net Worth / Assets41.90%42.45%42.95%45.58%45.58%+368 bps
Liquidity & Funding
Loans / Shares17.78%21.47%25.55%28.76%28.76%+1,098 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps