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St. Patricks Spangler

Spangler, PA · Charter 5094

Q2 2004

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 2004, the quarter ended June 30, 2004, 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

St. Patricks Spangler

Spangler, PA · Charter 5094

Q2 2004

$181KAssets
$142KLoans
$149KShares
$31KNet 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 -2.93%, down 101 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.00% of loans (-1,559 bps YoY).
  • Capital: net worth / assets of 17.39%, up 287 bps from a year ago.
  • Funding: loans stand at 94.91% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

-2.93%-101 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+4 bps YoY

Efficiency Ratio (YTD, annualized)

166.52%+2,241 bps YoY

Net Worth / Assets

17.39%+287 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets-1.92%-4.40%-1.93%-1.24%-2.93%-101 bps
Return on Equity-13.24%-31.36%-14.96%-7.12%-16.87%-363 bps
Net Interest Margin4.36%0.80%3.94%6.21%4.39%+4 bps
Efficiency Ratio144.12%544%149.08%120.77%166.52%+2,241 bps
Growth
Asset Growth (YoY)-9.12%2.57%11.73%-19.44%-19.86%-1,075 bps
Loan Growth (YoY)-25.93%0.06%16.54%19.67%21.82%+4,776 bps
Share Growth (YoY)-6.69%5.26%16.57%-22.26%-22.15%-1,546 bps
Asset Quality
Delinquent Loans / Loans15.59%11.76%11.11%1.06%0.00%-1,559 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.41%8.11%7.67%8.48%8.54%-186 bps
Capital
Risk-Based Capital14.51%14.05%12.93%17.38%17.39%+287 bps
Net Worth / Assets14.51%14.05%12.93%17.38%17.39%+287 bps
Liquidity & Funding
Loans / Shares60.66%69.16%68.13%88.95%94.91%+3,426 bps
Liquid Assets / Assets51.44%41.56%41.62%27.66%22.57%-2,887 bps