PackageTrendsPeer
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Mercy Hospital Employees

Altoona, PA · Charter 21200

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Mercy Hospital Employees

Altoona, PA · Charter 21200

Q3 2005

$1.6MAssets
$1.1MLoans
$1.5MShares
$172KNet 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 0.85%, up 90 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.54% of loans (-31 bps YoY).
  • Capital: net worth / assets of 10.48%, up 109 bps from a year ago.
  • Funding: loans stand at 78.31% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.85%+90 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+79 bps YoY

Efficiency Ratio (YTD, annualized)

80.72%-1,068 bps YoY

Net Worth / Assets

10.48%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.05%0.08%0.28%0.68%0.85%+90 bps
Return on Equity-0.53%0.69%2.68%6.67%8.15%+867 bps
Net Interest Margin2.28%2.92%2.90%2.79%3.07%+79 bps
Efficiency Ratio91.40%89.96%80.92%80.91%80.72%-1,068 bps
Growth
Asset Growth (YoY)9.73%7.71%4.74%4.15%-3.48%-1,321 bps
Loan Growth (YoY)-8.31%0.82%24.55%51.82%57.27%+6,558 bps
Share Growth (YoY)11.35%8.22%5.37%4.00%-4.81%-1,617 bps
Asset Quality
Delinquent Loans / Loans0.85%0.33%0.23%0.17%0.54%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.09%0.35%0.29%0.27%-9 bps
Capital
Risk-Based Capital9.39%11.49%10.35%10.17%10.48%+109 bps
Net Worth / Assets9.39%11.49%10.35%10.17%10.48%+109 bps
Liquidity & Funding
Loans / Shares47.39%61.71%63.44%73.02%78.31%+3,091 bps
Liquid Assets / Assets52.80%41.26%39.09%30.13%26.53%-2,627 bps