PackageTrendsPeer
Letter portraitLegal landscape

Deshon V A Employees

Butler, PA · Charter 5480

Q4 2007

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 2007, the quarter ended December 31, 2007, 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

Deshon V A Employees

Butler, PA · Charter 5480

Q4 2007

$1.2MAssets
$651KLoans
$960KShares
$199KNet Worth

Executive Summary

  • Earnings: ROA of -4.17%, down 513 bps year over year; NIM at -0.36%.
  • Asset quality: problem loans at 0.00% of loans (-47 bps YoY).
  • Capital: net worth / assets of 17.12%, down 295 bps from a year ago.
  • Funding: loans stand at 67.85% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

-4.17%-513 bps YoY

Net Interest Margin (YTD, annualized)

-0.36%-411 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

17.12%-295 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.39%1.41%1.41%0.96%-0.61%1.11%-4.57%-4.17%-513 bps
Return on Equity8.15%7.88%7.34%4.81%-3.13%5.78%-28.16%-24.36%-2,917 bps
Net Interest Margin3.64%3.62%3.91%3.75%2.18%3.96%-1.72%-0.36%-411 bps
Efficiency Ratio62.09%61.35%64.37%74.54%127.35%72.84%n/an/an/a
Growth
Asset Growth (YoY)1.69%-1.47%-8.56%-5.98%-9.00%-2.58%-2.17%-6.21%-23 bps
Loan Growth (YoY)-0.77%0.50%2.30%14.54%20.92%22.58%8.32%6.92%-762 bps
Share Growth (YoY)0.63%-3.03%-11.59%-8.94%-11.26%-3.97%1.49%-2.31%+663 bps
Asset Quality
Delinquent Loans / Loans0.90%0.00%0.00%0.47%0.00%0.06%0.00%0.00%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.68%1.31%1.18%1.13%0.81%1.17%1.17%1.11%-2 bps
Capital
Risk-Based Capital17.08%17.86%19.16%20.07%19.37%19.21%16.23%17.12%-295 bps
Net Worth / Assets17.08%17.86%19.16%20.07%19.37%19.21%16.23%17.12%-295 bps
Liquidity & Funding
Loans / Shares45.31%45.50%54.90%61.99%61.75%58.08%58.60%67.85%+586 bps
Liquid Assets / Assets61.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps