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Glaziers Local 252

Philadelphia, PA · Charter 24012

NCUA · 1 branch

Q2 2022

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: Q2 2022, the quarter ended June 30, 2022, 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

Glaziers Local 252

Philadelphia, PA · Charter 24012

NCUA · 1 branch

Q2 2022

$1.7MAssets
$136KLoans
$1.5MShares
$166KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 7 bps year over year; NIM at 0.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.70%, up 173 bps from a year ago.
  • Funding: loans stand at 8.82% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

0.01%-7 bps YoY

Net Interest Margin (YTD, annualized)

0.69%-31 bps YoY

Efficiency Ratio (YTD, annualized)

113.52%+2,078 bps YoY

Net Worth / Assets

9.70%+173 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.41%0.31%0.35%0.08%0.20%0.09%0.08%0.01%-7 bps
Return on Equity4.99%3.70%4.18%0.98%2.34%0.99%0.82%0.11%-87 bps
Net Interest Margin1.32%1.21%1.25%1.00%1.03%0.95%0.95%0.69%-31 bps
Efficiency Ratio69.75%75.40%73.50%92.74%83.13%92.02%92.21%113.52%+2,078 bps
Growth
Asset Growth (YoY)9.59%5.58%14.46%8.98%-2.84%-3.23%-9.53%-17.44%-2,641 bps
Loan Growth (YoY)7.85%5.11%-11.76%-23.99%-18.54%-15.39%-23.56%-26.11%-212 bps
Share Growth (YoY)10.26%5.86%15.71%9.78%-3.34%-3.60%-10.40%-19.06%-2,884 bps
Asset Quality
Delinquent Loans / Loans1.89%2.86%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.65%4.95%5.17%5.77%5.71%5.84%6.77%7.07%+130 bps
Capital
Risk-Based Capital8.31%8.33%8.32%7.96%8.70%8.70%9.21%9.70%+173 bps
Net Worth / Assets8.31%8.33%8.32%7.96%8.70%8.70%9.21%9.70%+173 bps
Liquidity & Funding
Loans / Shares12.60%11.91%11.23%9.66%10.61%10.45%9.58%8.82%-84 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps