PackageTrendsPeer
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Ellwood City School Employees

Ellwood City, PA · Charter 636

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Ellwood City School Employees

Ellwood City, PA · Charter 636

Q3 2015

$2.3MAssets
$894KLoans
$1.9MShares
$382KNet 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 0.89%, up 49 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (-138 bps YoY).
  • Capital: net worth / assets of 16.44%, up 140 bps from a year ago.
  • Funding: loans stand at 46.05% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.89%+49 bps YoY

Net Interest Margin (YTD, annualized)

2.30%+6 bps YoY

Efficiency Ratio (YTD, annualized)

56.36%-1,224 bps YoY

Net Worth / Assets

16.44%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.40%0.36%1.17%0.83%0.89%+49 bps
Return on Equity2.63%2.31%7.49%5.37%5.40%+277 bps
Net Interest Margin2.24%2.26%2.44%2.22%2.30%+6 bps
Efficiency Ratio68.60%66.69%51.87%57.18%56.36%-1,224 bps
Growth
Asset Growth (YoY)-5.00%-8.57%-2.41%-0.67%-4.29%+71 bps
Loan Growth (YoY)-22.33%-22.66%-23.45%-23.66%-22.52%-20 bps
Share Growth (YoY)-5.81%-10.32%-3.41%-1.51%-5.86%-5 bps
Asset Quality
Delinquent Loans / Loans1.38%1.26%0.28%0.00%0.00%-138 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.61%0.68%0.60%0.71%+1 bps
Capital
Risk-Based Capital15.05%15.56%15.66%15.41%16.44%+140 bps
Net Worth / Assets15.05%15.56%15.66%15.41%16.44%+140 bps
Liquidity & Funding
Loans / Shares55.95%57.34%50.76%46.24%46.05%-990 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps