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State College

State College, PA · Charter 19483

NCUA · 2 branches

Q3 2020

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 2020, the quarter ended September 30, 2020, 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 2026-10-10

State College

State College, PA · Charter 19483

NCUA · 2 branches

Q3 2020

$21.4MAssets
$10.4MLoans
$19.4MShares
$2.0MNet 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 0.83%, down 31 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.23%, down 62 bps from a year ago.
  • Funding: loans stand at 53.92% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.83%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.63%-60 bps YoY

Efficiency Ratio (YTD, annualized)

77.20%+868 bps YoY

Net Worth / Assets

9.23%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets1.14%1.09%1.08%1.02%0.83%-31 bps
Return on Equity11.55%10.86%10.85%10.77%9.00%-255 bps
Net Interest Margin3.23%3.22%3.01%2.81%2.63%-60 bps
Efficiency Ratio68.53%68.99%78.11%75.03%77.20%+868 bps
Growth
Asset Growth (YoY)-0.94%2.34%2.03%10.05%17.25%+1,819 bps
Loan Growth (YoY)3.63%2.06%-2.56%-4.63%-9.49%-1,312 bps
Share Growth (YoY)-2.24%1.35%0.86%9.87%18.06%+2,030 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.13%0.00%0.03%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.68%0.53%0.45%0.46%-25 bps
Capital
Risk-Based Capital9.85%10.02%9.97%9.48%9.23%-62 bps
Net Worth / Assets9.85%10.02%9.97%9.48%9.23%-62 bps
Liquidity & Funding
Loans / Shares70.33%70.27%65.71%59.52%53.92%-1,641 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps