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Lancaster PA Firemen

Lancaster, PA · Charter 2822

NCUA · 2 branches

Q4 2020

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 2020, the quarter ended December 31, 2020, 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

Lancaster PA Firemen

Lancaster, PA · Charter 2822

NCUA · 2 branches

Q4 2020

$649KAssets
$240KLoans
$612KShares
$37KNet 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 -2.36%, up 100 bps year over year; NIM at 5.22%.
  • Asset quality: problem loans at 0.83% of loans (-646 bps YoY).
  • Capital: net worth / assets of 5.70%, down 241 bps from a year ago.
  • Funding: loans stand at 39.22% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-2.36%+100 bps YoY

Net Interest Margin (YTD, annualized)

5.22%-263 bps YoY

Efficiency Ratio (YTD, annualized)

143.03%+3,237 bps YoY

Net Worth / Assets

5.70%-241 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets-3.36%-1.93%-3.04%-2.00%-2.36%+100 bps
Return on Equity-41.38%-25.59%-47.99%-32.34%-41.31%+7 bps
Net Interest Margin7.85%6.08%5.39%5.11%5.22%-263 bps
Efficiency Ratio110.65%130.42%154.39%137.68%143.03%+3,237 bps
Growth
Asset Growth (YoY)-10.30%-12.75%-10.58%-4.54%0.66%+1,096 bps
Loan Growth (YoY)-24.33%-21.41%-23.91%-28.16%-12.70%+1,163 bps
Share Growth (YoY)-8.23%-10.94%-9.03%-2.49%3.38%+1,161 bps
Asset Quality
Delinquent Loans / Loans7.29%6.12%3.52%0.96%0.83%-646 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.11%6.60%5.74%4.21%3.81%-230 bps
Capital
Risk-Based Capital8.11%7.54%6.35%6.17%5.70%-241 bps
Net Worth / Assets8.11%7.54%6.35%6.17%5.70%-241 bps
Liquidity & Funding
Loans / Shares46.45%42.97%38.59%33.95%39.22%-722 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps