Petrolia, PA · Charter 5613
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Petrolia, PA · Charter 5613
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -0.23% | -0.10% | -0.23% | -0.06% | +15 bps | |
| Return on Equity | -1.70% | -1.78% | -0.82% | -1.93% | -0.51% | +119 bps | |
| Net Interest Margin | 2.23% | 2.24% | 2.17% | 1.90% | 1.98% | -25 bps | |
| Efficiency Ratio | 91.98% | 93.15% | 92.27% | 110.67% | 102.71% | +1,073 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -2.55% | 3.31% | 3.56% | 6.12% | +831 bps | |
| Loan Growth (YoY) | -13.27% | -18.38% | -18.01% | -10.61% | 3.66% | +1,693 bps | |
| Share Growth (YoY) | -2.06% | -2.37% | 3.93% | 4.22% | 7.03% | +909 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.94% | 0.27% | 0.22% | 0.18% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.63% | 0.69% | 0.65% | 0.63% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.41% | 12.69% | 12.17% | 11.65% | 11.67% | -74 bps | |
| Net Worth / Assets | 12.41% | 12.69% | 12.17% | 11.65% | 11.67% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.69% | 39.76% | 34.99% | 34.71% | 36.50% | -119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |