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Electrical Inspectors

Philadelphia, PA · Charter 22580

Q4 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: Q4 2015, the quarter ended December 31, 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

Electrical Inspectors

Philadelphia, PA · Charter 22580

Q4 2015

$66KAssets
$20KLoans
$50KShares
$9KNet 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 -3.49%, up 110 bps year over year; NIM at 0.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.33%, down 687 bps from a year ago.
  • Funding: loans stand at 40.53% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-3.49%+110 bps YoY

Net Interest Margin (YTD, annualized)

0.20%-34 bps YoY

Efficiency Ratio (YTD, annualized)

786%+18,279 bps YoY

Net Worth / Assets

13.33%-687 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-4.59%-3.21%-4.50%-3.27%-3.49%+110 bps
Return on Equity-22.72%-16.68%-23.76%-23.22%-26.17%-345 bps
Net Interest Margin0.54%0.76%0.03%0.24%0.20%-34 bps
Efficiency Ratio603%393%1525%668%786%+18,279 bps
Growth
Asset Growth (YoY)-20.90%1.52%-5.47%23.15%19.45%+4,035 bps
Loan Growth (YoY)-9.22%-10.87%12.28%189.53%188.43%+19,766 bps
Share Growth (YoY)-23.71%6.33%2.33%18.60%19.06%+4,277 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.83%11.59%9.76%3.01%3.41%-642 bps
Capital
Risk-Based Capital20.19%19.27%18.92%14.10%13.33%-687 bps
Net Worth / Assets20.19%19.27%18.92%14.10%13.33%-687 bps
Liquidity & Funding
Loans / Shares16.73%14.01%16.90%46.55%40.53%+2,380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps