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Beaver County Times

Beaver, PA · Charter 17771

NCUA · 1 branch

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

Beaver County Times

Beaver, PA · Charter 17771

NCUA · 1 branch

Q1 2018

$230KAssets
$104KLoans
$191KShares
$39KNet 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 -225.28%, down 22,525 bps year over year; NIM at -220.73%.
  • Asset quality: problem loans at 0.00% of loans (-91 bps YoY).
  • Capital: net worth / assets of 17.13%, down 3,888 bps from a year ago.
  • Funding: loans stand at 54.28% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-225%-22,525 bps YoY

Net Interest Margin (YTD, annualized)

-221%-22,362 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

17.13%-3,888 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.02%0.22%0.16%-0.13%-225%-22,525 bps
Return on Equity-0.04%0.38%0.27%-0.21%-1315%-131,542 bps
Net Interest Margin2.89%3.15%3.21%3.40%-221%-22,362 bps
Efficiency Ratio100.78%93.03%95.05%94.48%n/an/a
Growth
Asset Growth (YoY)-2.80%-7.40%-9.50%-13.33%-23.90%-2,109 bps
Loan Growth (YoY)-7.44%5.84%-13.03%-12.69%-18.18%-1,074 bps
Share Growth (YoY)-6.27%-16.45%-20.70%-29.44%43.36%+4,963 bps
Asset Quality
Delinquent Loans / Loans0.91%0.76%0.83%0.00%0.00%-91 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.46%0.39%0.43%0.39%0.44%-2 bps
Capital
Risk-Based Capital56.00%58.16%59.13%63.38%17.13%-3,888 bps
Net Worth / Assets56.00%58.16%59.13%63.38%17.13%-3,888 bps
Liquidity & Funding
Loans / Shares95.11%120.40%113.48%121.12%54.28%-4,082 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps