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S. & S. M. H. Employees

Wellsboro, PA · Charter 21745

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

S. & S. M. H. Employees

Wellsboro, PA · Charter 21745

NCUA · 1 branch

Q4 2016

$4.3MAssets
$2.0MLoans
$3.9MShares
$341KNet 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 -2.95%, down 220 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.44% of loans (-43 bps YoY), with net charge-offs at 6.36%.
  • Capital: net worth / assets of 7.96%, down 193 bps from a year ago.
  • Funding: loans stand at 50.06% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.95%-220 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+27 bps YoY

Efficiency Ratio (YTD, annualized)

171.47%+5,852 bps YoY

Net Worth / Assets

7.96%-193 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.75%-1.00%-0.80%-0.75%-2.95%-220 bps
Return on Equity-7.61%-10.79%-8.57%-8.20%-37.08%-2,948 bps
Net Interest Margin2.61%2.36%2.41%2.44%2.89%+27 bps
Efficiency Ratio112.95%113.65%115.17%112.05%171.47%+5,852 bps
Growth
Asset Growth (YoY)-0.16%-4.85%-2.14%-0.22%-9.39%-923 bps
Loan Growth (YoY)-15.37%-11.52%-10.21%-7.29%-5.77%+961 bps
Share Growth (YoY)0.68%-4.41%-1.44%0.49%-7.78%-846 bps
Asset Quality
Delinquent Loans / Loans0.87%0.60%0.58%0.17%0.44%-43 bps
Net Charge-Offs / Loansn/a36.75%40.00%36.51%6.36%n/a
Allowance / Loans0.37%0.37%0.51%0.68%0.62%+25 bps
Capital
Risk-Based Capital9.88%9.26%9.38%9.16%7.96%-193 bps
Net Worth / Assets9.88%9.26%9.38%9.16%7.96%-193 bps
Liquidity & Funding
Loans / Shares48.99%45.48%45.51%46.64%50.06%+107 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps