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Wawa Employees

Wawa, PA · Charter 63863

NCUA · 1 branch

Q1 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: Q1 2022, the quarter ended March 31, 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

Wawa Employees

Wawa, PA · Charter 63863

NCUA · 1 branch

Q1 2022

$28.1MAssets
$8.8MLoans
$26.4MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.21%, down 29 bps year over year; NIM at 1.31%.
  • Asset quality: problem loans at 0.04% of loans (+1 bps YoY).
  • Capital: net worth / assets of 5.84%, down 87 bps from a year ago.
  • Funding: loans stand at 33.31% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

-0.21%-29 bps YoY

Net Interest Margin (YTD, annualized)

1.31%-44 bps YoY

Efficiency Ratio (YTD, annualized)

111.29%+1,434 bps YoY

Net Worth / Assets

5.84%-87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.24%0.10%0.07%0.08%-0.07%-0.06%-0.15%-0.21%-29 bps
Return on Equity3.20%1.30%0.94%1.20%-0.94%-0.85%-2.11%-3.51%-471 bps
Net Interest Margin2.16%2.26%2.10%1.75%1.73%1.72%1.78%1.31%-44 bps
Efficiency Ratio94.35%95.63%95.44%96.95%103.46%103.54%105.69%111.29%+1,434 bps
Growth
Asset Growth (YoY)13.88%12.57%20.34%16.53%7.31%12.71%2.29%11.24%-529 bps
Loan Growth (YoY)-2.92%-9.59%4.65%11.20%4.91%22.20%23.26%12.56%+135 bps
Share Growth (YoY)15.59%13.89%22.23%18.00%8.06%13.74%2.71%12.29%-572 bps
Asset Quality
Delinquent Loans / Loans0.26%0.04%0.02%0.04%0.04%0.03%0.02%0.04%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.69%0.70%0.67%0.65%0.56%0.55%0.55%-12 bps
Capital
Risk-Based Capital7.58%8.01%7.57%6.71%6.99%7.06%7.25%5.84%-87 bps
Net Worth / Assets7.58%8.01%7.57%6.71%6.99%7.06%7.25%5.84%-87 bps
Liquidity & Funding
Loans / Shares34.74%34.14%36.06%33.23%33.73%36.67%43.28%33.31%+8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps