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Frick

Waynesboro, PA · Charter 18847

NCUA · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Frick

Waynesboro, PA · Charter 18847

NCUA · 1 branch

Q4 2017

$10.6MAssets
$3.2MLoans
$10.0MShares
$630KNet 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 -0.27%, up 122 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 2.20% of loans (-55 bps YoY).
  • Capital: net worth / assets of 5.93%, down 32 bps from a year ago.
  • Funding: loans stand at 31.76% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.27%+122 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+6 bps YoY

Efficiency Ratio (YTD, annualized)

101.06%-1,048 bps YoY

Net Worth / Assets

5.93%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-1.48%-0.57%-0.62%-0.43%-0.27%+122 bps
Return on Equity-23.74%-9.80%-10.57%-7.15%-4.49%+1,925 bps
Net Interest Margin2.54%2.47%2.54%2.65%2.60%+6 bps
Efficiency Ratio111.54%106.92%104.93%103.43%101.06%-1,048 bps
Growth
Asset Growth (YoY)-2.94%2.24%2.59%0.97%0.80%+374 bps
Loan Growth (YoY)-12.26%-11.39%-7.03%-6.10%-7.60%+465 bps
Share Growth (YoY)-1.60%4.12%4.71%2.46%1.15%+275 bps
Asset Quality
Delinquent Loans / Loans2.75%2.83%1.64%2.27%2.20%-55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.44%1.51%1.59%1.81%1.94%+50 bps
Capital
Risk-Based Capital6.24%5.85%5.84%6.04%5.93%-32 bps
Net Worth / Assets6.24%5.85%5.84%6.04%5.93%-32 bps
Liquidity & Funding
Loans / Shares34.77%31.90%34.08%34.79%31.76%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps