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Reznor

Jackson Center, PA · Charter 20017

Q3 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: Q3 2015, the quarter ended September 30, 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

Reznor

Jackson Center, PA · Charter 20017

Q3 2015

$2.0MAssets
$229KLoans
$1.7MShares
$293KNet 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 0.40%, up 170 bps year over year; NIM at 0.90%.
  • Asset quality: problem loans at 7.63% of loans (+174 bps YoY).
  • Capital: net worth / assets of 14.77%, up 169 bps from a year ago.
  • Funding: loans stand at 13.51% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.40%+170 bps YoY

Net Interest Margin (YTD, annualized)

0.90%-16 bps YoY

Efficiency Ratio (YTD, annualized)

72.94%-3,973 bps YoY

Net Worth / Assets

14.77%+169 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.29%-1.00%0.55%0.51%0.40%+170 bps
Return on Equity-9.88%-7.59%4.06%3.55%2.73%+1,262 bps
Net Interest Margin1.06%1.00%0.69%0.86%0.90%-16 bps
Efficiency Ratio112.67%112.39%84.66%68.19%72.94%-3,973 bps
Growth
Asset Growth (YoY)-9.95%-9.74%-11.67%-14.93%-9.41%+54 bps
Loan Growth (YoY)-9.76%-11.77%-24.29%-22.01%-22.73%-1,297 bps
Share Growth (YoY)-10.41%-10.15%-12.51%-16.40%-11.06%-65 bps
Asset Quality
Delinquent Loans / Loans5.90%6.54%7.08%7.27%7.63%+174 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.11%7.88%7.58%7.78%8.17%+105 bps
Capital
Risk-Based Capital13.07%13.24%13.49%14.22%14.77%+169 bps
Net Worth / Assets13.07%13.24%13.49%14.22%14.77%+169 bps
Liquidity & Funding
Loans / Shares15.55%14.25%13.24%13.61%13.51%-204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps