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Westmoreland Federal Employee

Greensburg, PA · Charter 4806

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Westmoreland Federal Employee

Greensburg, PA · Charter 4806

NCUA · 1 branch

Q4 2016

$6.9MAssets
$2.6MLoans
$3.8MShares
$3.1MNet 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 -2.64%, down 229 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 2.17% of loans (-35 bps YoY).
  • Capital: net worth / assets of 45.11%, down 199 bps from a year ago.
  • Funding: loans stand at 69.73% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.64%-229 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-2 bps YoY

Efficiency Ratio (YTD, annualized)

177.22%+5,099 bps YoY

Net Worth / Assets

45.11%-199 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.35%-0.57%0.08%-1.58%-2.64%-229 bps
Return on Equity-0.75%-1.23%0.16%-3.44%-5.86%-511 bps
Net Interest Margin2.71%2.60%2.62%2.65%2.68%-2 bps
Efficiency Ratio126.23%120.22%124.99%128.90%177.22%+5,099 bps
Growth
Asset Growth (YoY)-3.71%-2.23%0.02%-0.38%-1.16%+255 bps
Loan Growth (YoY)-5.23%-0.10%-3.80%-7.46%-10.52%-529 bps
Share Growth (YoY)-3.79%-2.56%1.66%2.09%1.94%+573 bps
Asset Quality
Delinquent Loans / Loans2.52%3.09%3.11%2.28%2.17%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.75%1.87%1.00%1.76%1.72%-3 bps
Capital
Risk-Based Capital47.10%46.50%46.17%45.82%45.11%-199 bps
Net Worth / Assets47.10%46.50%46.17%45.82%45.11%-199 bps
Liquidity & Funding
Loans / Shares79.43%76.51%72.94%70.01%69.73%-971 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps