PackageTrendsPeer
Letter portraitLegal landscape

Uti Employees

Collegeville, PA · Charter 63730

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Uti Employees

Collegeville, PA · Charter 63730

Q3 2012

$2.9MAssets
$1.7MLoans
$1.6MShares
$1.2MNet 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 -2.67%, down 204 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 42.48%, up 448 bps from a year ago.
  • Funding: loans stand at 102.12% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.67%-204 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-33 bps YoY

Efficiency Ratio (YTD, annualized)

183.68%+6,573 bps YoY

Net Worth / Assets

42.48%+448 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.63%-0.59%-1.11%-1.82%-2.67%-204 bps
Return on Equity-1.66%-1.50%-2.84%-4.38%-6.29%-462 bps
Net Interest Margin3.30%3.34%2.95%2.95%2.98%-33 bps
Efficiency Ratio117.95%116.55%135.00%157.23%183.68%+6,573 bps
Growth
Asset Growth (YoY)-11.52%-9.87%-8.03%-11.45%-14.78%-327 bps
Loan Growth (YoY)-5.45%-4.39%-15.04%-16.74%-10.64%-519 bps
Share Growth (YoY)-16.66%-14.30%-11.56%-16.79%-20.84%-418 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.76%0.78%0.86%0.88%1.03%+27 bps
Capital
Risk-Based Capital38.00%39.19%39.21%41.58%42.48%+448 bps
Net Worth / Assets38.00%39.19%39.21%41.58%42.48%+448 bps
Liquidity & Funding
Loans / Shares90.46%92.02%82.17%90.94%102.12%+1,166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps