PackageTrendsPeer
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Wilmac Employees'

York, PA · Charter 64235

NCUA · 1 branch

Q2 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: Q2 2022, the quarter ended June 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

Wilmac Employees'

York, PA · Charter 64235

NCUA · 1 branch

Q2 2022

$3.3MAssets
$1.3MLoans
$2.7MShares
$553KNet Worth

Executive Summary

  • Earnings: ROA of -5.42%, down 584 bps year over year; NIM at -2.71%.
  • Asset quality: problem loans at 1.41% of loans (+63 bps YoY).
  • Capital: net worth / assets of 16.83%, up 10 bps from a year ago.
  • Funding: loans stand at 47.32% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

-5.42%-584 bps YoY

Net Interest Margin (YTD, annualized)

-2.71%-415 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

16.83%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.42%0.45%0.45%0.42%0.46%-0.24%0.42%-5.42%-584 bps
Return on Equity2.38%2.55%2.60%2.50%2.59%-1.31%2.22%-32.23%-3,473 bps
Net Interest Margin1.53%1.54%1.46%1.44%1.56%1.69%1.65%-2.71%-415 bps
Efficiency Ratio73.44%71.71%70.61%71.84%71.35%112.97%75.47%n/an/a
Growth
Asset Growth (YoY)7.54%12.42%13.12%8.12%2.24%-4.85%-11.05%-16.54%-2,465 bps
Loan Growth (YoY)-11.82%-11.84%-3.69%5.90%0.92%-3.91%-10.73%-6.50%-1,240 bps
Share Growth (YoY)8.54%14.92%15.59%9.35%2.04%-5.72%-13.04%-16.57%-2,592 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.78%0.00%1.15%1.77%1.41%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.59%1.68%1.66%1.64%1.29%1.44%1.59%1.49%-15 bps
Capital
Risk-Based Capital17.61%17.79%17.20%16.73%17.82%18.45%19.06%16.83%+10 bps
Net Worth / Assets17.61%17.79%17.20%16.73%17.82%18.45%19.06%16.83%+10 bps
Liquidity & Funding
Loans / Shares46.60%44.21%43.24%42.22%46.09%45.06%44.39%47.32%+510 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps