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Pakco Employees

Latrobe, PA · Charter 6188

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Pakco Employees

Latrobe, PA · Charter 6188

NCUA · 1 branch

Q3 2022

$1.1MAssets
$431KLoans
$1.0MShares
$65KNet Worth

Executive Summary

  • Earnings: ROA of -0.77%, down 92 bps year over year; NIM at 1.54%.
  • Asset quality: problem loans at 6.51% of loans (+406 bps YoY).
  • Capital: net worth / assets of 6.06%, down 1,567 bps from a year ago.
  • Funding: loans stand at 42.67% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-0.77%-92 bps YoY

Net Interest Margin (YTD, annualized)

1.54%-23 bps YoY

Efficiency Ratio (YTD, annualized)

149.21%+5,743 bps YoY

Net Worth / Assets

6.06%-1,567 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.50%0.32%0.33%0.15%0.15%-0.69%-0.53%-0.77%-92 bps
Return on Equity2.15%1.44%1.61%0.69%0.69%-3.39%-2.79%-12.78%-1,347 bps
Net Interest Margin2.36%2.04%1.73%1.77%1.71%1.23%1.47%1.54%-23 bps
Efficiency Ratio79.26%84.43%81.37%91.78%91.74%155.33%135.59%149.21%+5,743 bps
Growth
Asset Growth (YoY)3.18%9.38%16.58%6.71%6.26%8.00%3.55%12.36%+565 bps
Loan Growth (YoY)-2.19%-19.89%-17.74%-16.86%-22.24%-13.64%-8.91%-5.08%+1,178 bps
Share Growth (YoY)3.49%11.88%21.48%8.60%7.99%10.37%5.21%35.17%+2,656 bps
Asset Quality
Delinquent Loans / Loans3.90%1.73%2.16%2.44%1.91%1.56%0.46%6.51%+406 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.73%1.93%1.98%1.99%1.67%1.68%1.64%1.67%-32 bps
Capital
Risk-Based Capital23.06%22.12%20.27%21.73%21.85%20.38%19.02%6.06%-1,567 bps
Net Worth / Assets23.06%22.12%20.27%21.73%21.85%20.38%19.02%6.06%-1,567 bps
Liquidity & Funding
Loans / Shares76.10%64.40%56.00%60.77%54.80%50.39%48.48%42.67%-1,809 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps