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Penn Wilco

Wilkes-Barre, PA · Charter 2739

NCUA · 2 branches

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

Penn Wilco

Wilkes-Barre, PA · Charter 2739

NCUA · 2 branches

Q2 2023

$12.5MAssets
$1.6MLoans
$10.9MShares
$1.7MNet 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 0.04%, down 14 bps year over year; NIM at 0.89%.
  • Asset quality: problem loans at 0.00% of loans (-124 bps YoY).
  • Capital: net worth / assets of 13.48%, up 167 bps from a year ago.
  • Funding: loans stand at 14.24% of shares as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

0.04%-14 bps YoY

Net Interest Margin (YTD, annualized)

0.89%+5 bps YoY

Efficiency Ratio (YTD, annualized)

95.66%+1,518 bps YoY

Net Worth / Assets

13.48%+167 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.18%0.18%0.17%0.25%0.04%-14 bps
Return on Equity1.54%1.50%1.34%1.91%0.29%-125 bps
Net Interest Margin0.84%0.86%0.89%1.09%0.89%+5 bps
Efficiency Ratio80.48%80.67%82.49%77.73%95.66%+1,518 bps
Growth
Asset Growth (YoY)3.79%3.46%-3.10%-6.56%-11.78%-1,558 bps
Loan Growth (YoY)-13.49%-7.20%-10.41%11.23%39.24%+5,273 bps
Share Growth (YoY)4.91%4.99%-2.65%-6.96%-12.98%-1,789 bps
Asset Quality
Delinquent Loans / Loans1.24%1.06%0.90%0.00%0.00%-124 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.43%1.46%1.23%1.05%0.88%-55 bps
Capital
Risk-Based Capital11.81%11.97%12.43%12.85%13.48%+167 bps
Net Worth / Assets11.81%11.97%12.43%12.85%13.48%+167 bps
Liquidity & Funding
Loans / Shares8.90%8.77%9.29%11.29%14.24%+534 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps