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Catasauqua Catholic

Catasauqua, PA · Charter 3024

Q2 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: Q2 2015, the quarter ended June 30, 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

Catasauqua Catholic

Catasauqua, PA · Charter 3024

Q2 2015

$652KAssets
$403KLoans
$596KShares
$56KNet 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 -4.26%, down 225 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 12.70% of loans (+16 bps YoY).
  • Capital: net worth / assets of 8.54%, down 9 bps from a year ago.
  • Funding: loans stand at 67.68% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-4.26%-225 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+60 bps YoY

Efficiency Ratio (YTD, annualized)

196.41%+3,811 bps YoY

Net Worth / Assets

8.54%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-2.01%-2.10%-2.14%-3.14%-4.26%-225 bps
Return on Equity-23.28%-24.40%-25.43%-39.48%-49.87%-2,659 bps
Net Interest Margin2.37%2.39%2.52%2.53%2.97%+60 bps
Efficiency Ratio158.30%159.59%158.13%183.59%196.41%+3,811 bps
Growth
Asset Growth (YoY)-5.92%-8.10%-11.97%-10.00%-28.00%-2,208 bps
Loan Growth (YoY)-6.64%-2.28%3.02%3.07%-10.80%-415 bps
Share Growth (YoY)-4.32%-6.69%-11.12%-8.69%-27.87%-2,355 bps
Asset Quality
Delinquent Loans / Loans12.54%12.38%11.49%11.17%12.70%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%0.97%0.94%0.97%1.12%+12 bps
Capital
Risk-Based Capital8.63%8.60%8.40%7.95%8.54%-9 bps
Net Worth / Assets8.63%8.60%8.40%7.95%8.54%-9 bps
Liquidity & Funding
Loans / Shares54.72%59.67%63.43%63.76%67.68%+1,295 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps