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Scranton Federal Employees'

Scranton, PA · Charter 60641

NCUA · 2 branches

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

Scranton Federal Employees'

Scranton, PA · Charter 60641

NCUA · 2 branches

Q1 2021

$21.5MAssets
$2.6MLoans
$20.4MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.70%, down 29 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 0.00% of loans (-86 bps YoY).
  • Capital: net worth / assets of 5.23%, down 173 bps from a year ago.
  • Funding: loans stand at 12.92% of shares as of Q1 2021.

Return on Assets (YTD, annualized)

-0.70%-29 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-126 bps YoY

Efficiency Ratio (YTD, annualized)

156.37%+4,594 bps YoY

Net Worth / Assets

5.23%-173 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.26%0.24%0.20%-0.41%-0.33%-0.43%-0.54%-0.70%-29 bps
Return on Equity3.71%3.41%2.78%-5.89%-5.29%-7.05%-9.70%-13.34%-745 bps
Net Interest Margin2.53%2.63%2.57%2.25%1.88%1.77%1.54%0.98%-126 bps
Efficiency Ratio91.86%92.26%93.56%110.42%109.66%113.80%120.38%156.37%+4,594 bps
Growth
Asset Growth (YoY)-0.82%1.30%2.02%-0.42%10.47%11.33%15.76%19.17%+1,960 bps
Loan Growth (YoY)-9.85%-11.51%-16.91%-11.85%-18.70%-17.39%-17.20%-25.16%-1,331 bps
Share Growth (YoY)-1.29%1.08%1.97%-0.49%11.43%12.60%17.64%21.38%+2,186 bps
Asset Quality
Delinquent Loans / Loans0.07%0.73%0.78%0.86%0.88%0.91%0.00%0.00%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.80%1.75%1.96%2.10%2.43%2.58%1.85%1.35%-75 bps
Capital
Risk-Based Capital6.95%7.16%7.09%6.96%6.19%6.12%5.58%5.23%-173 bps
Net Worth / Assets6.95%7.16%7.09%6.96%6.19%6.12%5.58%5.23%-173 bps
Liquidity & Funding
Loans / Shares23.34%23.09%21.17%20.96%17.03%16.94%14.90%12.92%-803 bps
Liquid Assets / Assets0.00%0.00%99.18%0.00%0.00%0.00%0.00%0.00%0 bps