PackageTrendsPeer
Letter portraitLegal landscape

American Bakery Workers

Philadelphia, PA · Charter 3773

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

American Bakery Workers

Philadelphia, PA · Charter 3773

Q4 2014

$4.1MAssets
$2.4MLoans
$4.1MShares
$13KNet 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 -11.94%, down 594 bps year over year; NIM at 7.92%.
  • Asset quality: problem loans at 0.31% of loans (-1,036 bps YoY).
  • Capital: net worth / assets of 0.31%, down 975 bps from a year ago.
  • Funding: loans stand at 58.45% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-11.94%-594 bps YoY

Net Interest Margin (YTD, annualized)

7.92%-166 bps YoY

Efficiency Ratio (YTD, annualized)

112.08%+5,299 bps YoY

Net Worth / Assets

0.31%-975 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-6.00%2.22%-9.07%-15.72%-11.94%-594 bps
Return on Equity-59.64%20.72%-138.96%-5561%-3828%-376,848 bps
Net Interest Margin9.58%7.86%7.44%8.22%7.92%-166 bps
Efficiency Ratio59.09%80.71%98.83%115.84%112.08%+5,299 bps
Growth
Asset Growth (YoY)-17.72%-19.74%-19.31%-20.64%-17.86%-14 bps
Loan Growth (YoY)-17.61%-21.26%-26.08%-27.94%-32.83%-1,522 bps
Share Growth (YoY)-14.68%-17.46%-14.67%-11.62%-8.99%+568 bps
Asset Quality
Delinquent Loans / Loans10.67%14.34%11.01%9.14%0.31%-1,036 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.39%9.43%12.87%18.14%8.36%-103 bps
Capital
Risk-Based Capital10.07%10.73%6.52%0.28%0.31%-975 bps
Net Worth / Assets10.07%10.73%6.52%0.28%0.31%-975 bps
Liquidity & Funding
Loans / Shares79.19%73.99%71.37%67.31%58.45%-2,074 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps