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Peninsula Methodist

Townsend, DE · Charter 18268

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Peninsula Methodist

Townsend, DE · Charter 18268

Q3 2011

$300KAssets
$113KLoans
$290KShares
$10KNet 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 -18.22%, down 2,366 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 23.89% of loans (-758 bps YoY).
  • Capital: net worth / assets of 3.25%, down 1,460 bps from a year ago.
  • Funding: loans stand at 38.92% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-18.22%-2,366 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-111 bps YoY

Efficiency Ratio (YTD, annualized)

121.24%+7,851 bps YoY

Net Worth / Assets

3.25%-1,460 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets5.44%0.20%-65.52%-39.67%-18.22%-2,366 bps
Return on Equity30.45%1.09%-1184%-696%-560%-59,084 bps
Net Interest Margin4.49%4.69%5.89%5.87%3.38%-111 bps
Efficiency Ratio42.73%88.91%42.38%102.12%121.24%+7,851 bps
Growth
Asset Growth (YoY)-4.56%-9.26%-23.22%-30.92%6.35%+1,091 bps
Loan Growth (YoY)3.57%14.04%-10.77%-22.35%-36.21%-3,978 bps
Share Growth (YoY)-5.23%-10.91%-12.52%-21.16%25.25%+3,049 bps
Asset Quality
Delinquent Loans / Loans31.47%27.02%13.54%16.16%23.89%-758 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.01%2.73%16.68%18.18%19.75%+1,674 bps
Capital
Risk-Based Capital17.85%18.77%5.53%5.70%3.25%-1,460 bps
Net Worth / Assets17.85%18.77%5.53%5.70%3.25%-1,460 bps
Liquidity & Funding
Loans / Shares76.42%89.51%70.36%65.50%38.92%-3,750 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps