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Rohm & Haas Emp

Philadelphia, PA · Charter 5160

NCUA · 2 branches

Q3 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: Q3 2016, the quarter ended September 30, 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

Rohm & Haas Emp

Philadelphia, PA · Charter 5160

NCUA · 2 branches

Q3 2016

$20.5MAssets
$7.1MLoans
$17.5MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of -2.20%, down 145 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 1.35% of loans (-54 bps YoY).
  • Capital: net worth / assets of 16.22%, down 110 bps from a year ago.
  • Funding: loans stand at 40.75% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

-2.20%-145 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+1 bps YoY

Efficiency Ratio (YTD, annualized)

109.78%-319 bps YoY

Net Worth / Assets

16.22%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.80%-1.22%-0.84%-0.75%-0.85%-1.54%-1.50%-2.20%-145 bps
Return on Equity-4.67%-7.14%-4.81%-4.34%-4.91%-9.48%-9.19%-13.59%-924 bps
Net Interest Margin2.78%2.80%2.87%2.88%2.93%2.77%2.77%2.89%+1 bps
Efficiency Ratio123.83%119.53%114.32%112.97%115.72%114.31%110.28%109.78%-319 bps
Growth
Asset Growth (YoY)-4.68%-7.43%-8.18%-4.79%-5.84%-0.44%-0.48%-4.61%+18 bps
Loan Growth (YoY)13.68%14.64%13.13%12.50%10.08%5.26%2.66%-6.79%-1,930 bps
Share Growth (YoY)-7.02%-7.93%-8.78%-6.18%-3.47%0.87%1.04%1.59%+778 bps
Asset Quality
Delinquent Loans / Loans0.95%1.33%2.78%1.89%1.58%3.25%2.74%1.35%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.29%0.65%0.75%0.52%0.71%1.11%1.60%2.70%+218 bps
Capital
Risk-Based Capital17.05%17.10%17.44%17.33%17.26%16.28%16.35%16.22%-110 bps
Net Worth / Assets17.05%17.10%17.44%17.33%17.26%16.28%16.35%16.22%-110 bps
Liquidity & Funding
Loans / Shares40.36%41.02%41.49%44.41%46.03%42.81%42.16%40.75%-367 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps