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Pannonia

Elkins Park, PA · Charter 2631

NCUA · 1 branch

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Pannonia

Elkins Park, PA · Charter 2631

NCUA · 1 branch

Q3 2018

$10.7MAssets
$9.0MLoans
$6.4MShares
$4.3MNet 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 -0.02%, up 19 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.13% of loans (+7 bps YoY).
  • Capital: net worth / assets of 40.04%, up 310 bps from a year ago.
  • Funding: loans stand at 139.68% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.02%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+29 bps YoY

Efficiency Ratio (YTD, annualized)

100.69%-638 bps YoY

Net Worth / Assets

40.04%+310 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.21%-0.12%0.07%0.07%-0.02%+19 bps
Return on Equity-0.57%-0.34%0.18%0.17%-0.06%+51 bps
Net Interest Margin2.86%2.87%2.90%3.05%3.16%+29 bps
Efficiency Ratio107.06%104.20%97.79%97.91%100.69%-638 bps
Growth
Asset Growth (YoY)3.94%2.02%0.34%-4.37%-7.72%-1,166 bps
Loan Growth (YoY)4.97%8.63%6.54%-0.99%-4.43%-939 bps
Share Growth (YoY)6.80%3.42%0.62%-7.03%-12.31%-1,911 bps
Asset Quality
Delinquent Loans / Loans0.07%0.07%0.06%0.11%0.13%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.46%0.46%0.46%0.47%+2 bps
Capital
Risk-Based Capital36.94%36.85%37.51%38.47%40.04%+310 bps
Net Worth / Assets36.94%36.85%37.51%38.47%40.04%+310 bps
Liquidity & Funding
Loans / Shares128.17%124.76%127.53%133.66%139.68%+1,151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps