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New Castle City Employees

New Castle, PA · Charter 2610

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

New Castle City Employees

New Castle, PA · Charter 2610

Q4 2002

$1.4MAssets
$801KLoans
$1.2MShares
$200KNet 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 0.12%, up 176 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 6.04% of loans (-126 bps YoY).
  • Capital: net worth / assets of 14.55%, down 101 bps from a year ago.
  • Funding: loans stand at 68.62% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.12%+176 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-181 bps YoY

Efficiency Ratio (YTD, annualized)

92.98%+1,301 bps YoY

Net Worth / Assets

14.55%-101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-1.64%-0.30%0.10%0.15%0.12%+176 bps
Return on Equity-10.53%-1.85%0.72%1.07%0.80%+1,133 bps
Net Interest Margin5.94%5.64%3.83%3.82%4.13%-181 bps
Efficiency Ratio79.97%80.18%93.79%90.31%92.98%+1,301 bps
Growth
Asset Growth (YoY)-10.64%-11.66%-0.67%8.90%8.44%+1,909 bps
Loan Growth (YoY)10.76%6.81%-22.81%-23.05%-25.47%-3,623 bps
Share Growth (YoY)-11.93%-13.66%-0.68%10.94%9.97%+2,190 bps
Asset Quality
Delinquent Loans / Loans7.30%9.88%7.66%8.74%6.04%-126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.96%3.55%3.73%4.17%4.06%+110 bps
Capital
Risk-Based Capital15.56%16.15%14.13%13.86%14.55%-101 bps
Net Worth / Assets15.56%16.15%14.13%13.86%14.55%-101 bps
Liquidity & Funding
Loans / Shares101.25%94.94%69.44%69.36%68.62%-3,263 bps
Liquid Assets / Assets16.63%21.53%42.22%42.34%41.57%+2,494 bps