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Allen Ame

Philadelphia, PA · Charter 24100

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

Allen Ame

Philadelphia, PA · Charter 24100

Q4 2015

$36KAssets
$10KLoans
$29KShares
$6KNet 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 -6.65%, down 277 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 43.42% of loans (+2,689 bps YoY).
  • Capital: net worth / assets of 17.93%, down 251 bps from a year ago.
  • Funding: loans stand at 33.16% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-6.65%-277 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-221 bps YoY

Efficiency Ratio (YTD, annualized)

272%+11,175 bps YoY

Net Worth / Assets

17.93%-251 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-3.88%-7.51%-7.56%-7.09%-6.65%-277 bps
Return on Equity-18.98%-42.49%-45.39%-41.41%-37.06%-1,808 bps
Net Interest Margin5.74%2.02%1.55%2.95%3.53%-221 bps
Efficiency Ratio160.64%439%545%322%272%+11,175 bps
Growth
Asset Growth (YoY)-12.12%-4.08%-5.37%-11.33%-16.83%-471 bps
Loan Growth (YoY)-56.38%-45.86%-31.55%-24.30%-20.03%+3,635 bps
Share Growth (YoY)-10.85%0.59%0.39%-6.38%-14.24%-339 bps
Asset Quality
Delinquent Loans / Loans16.53%23.40%35.98%47.16%43.42%+2,689 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.59%3.40%3.10%3.70%4.49%+90 bps
Capital
Risk-Based Capital20.44%17.66%16.65%17.12%17.93%-251 bps
Net Worth / Assets20.44%17.66%16.65%17.12%17.93%-251 bps
Liquidity & Funding
Loans / Shares35.56%34.63%39.27%36.39%33.16%-240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps