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O P S Emp

Warrington, PA · Charter 18599

Q4 2015

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: Q4 2015, the quarter ended December 31, 2015, 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

O P S Emp

Warrington, PA · Charter 18599

Q4 2015

$1.2MAssets
$210KLoans
$1.0MShares
$164KNet 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 0.17%, up 74 bps year over year; NIM at 0.73%.
  • Asset quality: problem loans at 0.00% of loans (-254 bps YoY).
  • Capital: net worth / assets of 13.89%, up 23 bps from a year ago.
  • Funding: loans stand at 20.75% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.17%+74 bps YoY

Net Interest Margin (YTD, annualized)

0.73%-8 bps YoY

Efficiency Ratio (YTD, annualized)

77.34%-3,137 bps YoY

Net Worth / Assets

13.89%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.58%0.25%0.26%0.25%0.17%+74 bps
Return on Equity-4.22%1.82%1.90%1.80%1.21%+543 bps
Net Interest Margin0.81%0.84%0.88%0.90%0.73%-8 bps
Efficiency Ratio108.71%71.32%71.51%72.64%77.34%-3,137 bps
Growth
Asset Growth (YoY)-3.76%-0.82%-18.80%-2.80%-0.39%+337 bps
Loan Growth (YoY)-22.75%-17.89%-15.26%-22.29%14.65%+3,740 bps
Share Growth (YoY)-4.94%-0.85%-20.68%-1.14%0.42%+535 bps
Asset Quality
Delinquent Loans / Loans2.54%0.00%2.04%1.10%0.00%-254 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.44%0.47%0.43%0.37%-5 bps
Capital
Risk-Based Capital13.65%13.48%13.59%14.05%13.89%+23 bps
Net Worth / Assets13.65%13.48%13.59%14.05%13.89%+23 bps
Liquidity & Funding
Loans / Shares18.17%17.05%15.66%18.05%20.75%+258 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps