PackageTrendsPeer
Letter portraitLegal landscape

Ringgold School Employees

Monessen, PA · Charter 3886

Q2 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: Q2 2014, the quarter ended June 30, 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

Ringgold School Employees

Monessen, PA · Charter 3886

Q2 2014

$11.9MAssets
$3.8MLoans
$9.6MShares
$2.3MNet 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 0.43%, down 34 bps year over year; NIM at 1.39%.
  • Asset quality: problem loans at 11.63% of loans (+402 bps YoY).
  • Capital: net worth / assets of 19.47%, up 148 bps from a year ago.
  • Funding: loans stand at 39.89% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.43%-34 bps YoY

Net Interest Margin (YTD, annualized)

1.39%-39 bps YoY

Efficiency Ratio (YTD, annualized)

68.25%+1,173 bps YoY

Net Worth / Assets

19.47%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.77%0.73%0.62%0.58%0.43%-34 bps
Return on Equity4.29%4.07%3.39%3.20%2.22%-207 bps
Net Interest Margin1.77%1.72%1.64%1.41%1.39%-39 bps
Efficiency Ratio56.52%57.66%62.47%57.74%68.25%+1,173 bps
Growth
Asset Growth (YoY)4.49%3.69%3.22%2.35%-5.36%-984 bps
Loan Growth (YoY)-5.00%-7.55%-10.20%-5.86%-10.12%-512 bps
Share Growth (YoY)5.12%4.14%3.16%2.19%-7.06%-1,218 bps
Asset Quality
Delinquent Loans / Loans7.61%9.45%10.33%11.56%11.63%+402 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.39%2.50%2.47%2.59%2.71%+32 bps
Capital
Risk-Based Capital17.99%18.01%18.20%18.19%19.47%+148 bps
Net Worth / Assets17.99%18.01%18.20%18.19%19.47%+148 bps
Liquidity & Funding
Loans / Shares41.25%39.81%39.34%38.27%39.89%-136 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps