PackageTrendsPeer
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Intext Employees

Scranton, PA · Charter 19329

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

Intext Employees

Scranton, PA · Charter 19329

Q1 2012

$1.8MAssets
$112KLoans
$1.5MShares
$282KNet 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 -0.74%, down 48 bps year over year; NIM at 1.25%.
  • Asset quality: problem loans at 15.37% of loans (+1,315 bps YoY).
  • Capital: net worth / assets of 16.10%, up 62 bps from a year ago.
  • Funding: loans stand at 7.58% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.74%-48 bps YoY

Net Interest Margin (YTD, annualized)

1.25%-14 bps YoY

Efficiency Ratio (YTD, annualized)

159.50%+4,079 bps YoY

Net Worth / Assets

16.10%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.26%0.05%-0.08%0.08%-0.74%-48 bps
Return on Equity-1.69%0.35%-0.48%0.48%-4.62%-294 bps
Net Interest Margin1.39%1.47%1.47%1.56%1.25%-14 bps
Efficiency Ratio118.71%96.32%105.14%94.78%159.50%+4,079 bps
Growth
Asset Growth (YoY)13.93%9.20%4.22%-4.98%-4.12%-1,805 bps
Loan Growth (YoY)-25.13%-33.30%-38.92%-47.26%-43.11%-1,798 bps
Share Growth (YoY)17.31%11.04%5.21%-6.05%-4.80%-2,211 bps
Asset Quality
Delinquent Loans / Loans2.21%2.34%4.63%8.53%15.37%+1,315 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%2.03%2.42%3.16%3.18%+137 bps
Capital
Risk-Based Capital15.48%15.39%15.57%16.82%16.10%+62 bps
Net Worth / Assets15.48%15.39%15.57%16.82%16.10%+62 bps
Liquidity & Funding
Loans / Shares12.69%11.19%9.55%7.96%7.58%-511 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps