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Pepsico Employees

Purchase, NY · Charter 23381

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Pepsico Employees

Purchase, NY · Charter 23381

Q4 2014

$35.6MAssets
$15.3MLoans
$29.4MShares
$5.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, down 8 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.38% of loans (-14 bps YoY).
  • Capital: net worth / assets of 13.96%, up 238 bps from a year ago.
  • Funding: loans stand at 52.20% of shares as of Q4 2014.

Return on Assets (YTD, annualized)

0.10%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.06%+22 bps YoY

Efficiency Ratio (YTD, annualized)

94.80%+532 bps YoY

Net Worth / Assets

13.96%+238 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.15%0.11%0.14%0.18%0.22%0.13%0.16%0.10%-8 bps
Return on Equity1.45%1.13%1.27%1.59%2.15%1.16%1.15%0.71%-88 bps
Net Interest Margin1.66%1.61%1.69%1.84%1.57%1.73%2.04%2.06%+22 bps
Efficiency Ratio93.05%94.58%93.17%89.48%89.39%94.19%94.14%94.80%+532 bps
Growth
Asset Growth (YoY)18.16%21.52%4.04%6.87%2.70%-10.10%-20.24%-16.44%-2,331 bps
Loan Growth (YoY)-0.95%-8.45%-0.99%-3.46%-9.88%-9.00%-11.40%-9.36%-590 bps
Share Growth (YoY)20.38%24.32%4.37%7.68%2.96%-11.41%-24.31%-21.84%-2,952 bps
Asset Quality
Delinquent Loans / Loans0.74%0.73%1.03%0.52%0.71%0.51%1.28%0.38%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.64%0.68%0.63%0.58%0.54%0.56%0.47%-16 bps
Capital
Risk-Based Capital10.28%10.11%10.76%11.58%10.19%11.43%13.69%13.96%+238 bps
Net Worth / Assets10.28%10.11%10.76%11.58%10.19%11.43%13.69%13.96%+238 bps
Liquidity & Funding
Loans / Shares41.54%39.52%42.50%45.01%36.36%40.60%49.75%52.20%+719 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps