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Corry Jamestown

Corry, PA · Charter 62048

NCUA · 1 branch

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in PA (n=76). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q1 2025peer median (50)

Asset Quality

28

Q2 2024Q1 2025peer median (50)

Profitability

43

Q2 2024Q1 2025peer median (50)

Liquidity

0

Q2 2024Q1 2025peer median

Efficiency

38

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

Corry Jamestown

Corry, PA · Charter 62048

NCUA · 1 branch

Q1 2025

$27.4MAssets
$3.9MLoans
$24.6MShares
$2.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 27 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.96% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.01%, up 107 bps from a year ago.
  • Funding: loans stand at 15.72% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.71%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+32 bps YoY

Efficiency Ratio (YTD, annualized)

81.24%-635 bps YoY

Net Worth / Assets

10.01%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.43%0.79%0.80%0.83%0.71%+27 bps
Return on Equity4.83%8.57%8.08%8.27%7.05%+222 bps
Net Interest Margin2.54%2.77%2.96%2.91%2.86%+32 bps
Efficiency Ratio87.59%78.92%79.18%78.64%81.24%-635 bps
Growth
Asset Growth (YoY)4.80%7.44%1.01%-0.04%-2.12%-692 bps
Loan Growth (YoY)-5.77%-4.72%-7.34%-6.76%-7.02%-126 bps
Share Growth (YoY)4.19%6.81%0.55%-0.51%-2.60%-680 bps
Asset Quality
Delinquent Loans / Loans1.02%1.29%0.91%0.56%0.96%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.94%9.25%9.89%10.03%10.01%+107 bps
Net Worth / Assets8.94%9.25%9.89%10.03%10.01%+107 bps
Liquidity & Funding
Loans / Shares16.47%16.44%16.65%16.19%15.72%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Corry Jamestown

Corry, PA · Charter 62048 · Peer group: credit unions under $1B in assets in PA (n=76)

NCUA · 1 branch

Q1 2025

$27.4MAssets
$3.9MLoans
$24.6MShares
$2.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 57% of credit unions under $1B in assets in PA (rank 33 of 76).
  • Widest gap: net interest margin trails 76% of credit unions under $1B in assets in PA (rank 58 of 76).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.70%

Rank 39 of 76

Net Interest Margin

2.84%

Rank 58 of 76

Efficiency Ratio

81.72%

Rank 48 of 76

Equity / Assets

10.01%

Rank 57 of 76

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.36%0.82%1.25%Beats 49%39 / 76
Return on Equity6.99%3.13%6.00%9.36%Beats 57%33 / 76
Net Interest Margin2.84%2.88%3.40%3.88%Beats 24%58 / 76
Efficiency Ratio81.72%65.62%77.84%85.92%Beats 38%48 / 76
Asset Quality
Nonperforming Loans / Loans0.96%0.12%0.49%0.98%Beats 28%56 / 76
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.01%10.01%12.27%15.62%Beats 25%57 / 76
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.01%10.01%12.27%15.62%Beats 25%57 / 76
Liquidity & Funding
Loans / Deposits15.72%36.98%51.56%66.39%0th pctl76 / 76
Loans / Assets14.12%31.78%43.10%58.61%3rd pctl74 / 76
Brokered Deposits / Depositsn/aNot reported for this institution