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CP Lutheran P.O. Box 74

Mechanicsburg, PA · Charter 64749

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

CP Lutheran P.O. Box 74

Mechanicsburg, PA · Charter 64749

Q1 2003

$1.2MAssets
$600KLoans
$1.2MShares
$86KNet 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 0.03%, up 135 bps year over year; NIM at 5.37%.
  • Asset quality: problem loans at 0.78% of loans (-357 bps YoY).
  • Capital: net worth / assets of 6.91%, down 61 bps from a year ago.
  • Funding: loans stand at 51.76% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.03%+135 bps YoY

Net Interest Margin (YTD, annualized)

5.37%+45 bps YoY

Efficiency Ratio (YTD, annualized)

99.52%-1,629 bps YoY

Net Worth / Assets

6.91%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-1.32%-0.70%-0.53%-1.59%0.03%+135 bps
Return on Equity-17.55%-9.81%-5.81%-20.44%0.42%+1,797 bps
Net Interest Margin4.92%4.36%5.86%5.73%5.37%+45 bps
Efficiency Ratio115.81%109.44%104.06%106.54%99.52%-1,629 bps
Growth
Asset Growth (YoY)9.61%-8.07%-15.53%-33.35%-9.41%-1,901 bps
Loan Growth (YoY)26.76%0.58%-15.33%-21.09%-27.02%-5,379 bps
Share Growth (YoY)9.64%-8.08%-14.85%-33.63%-8.50%-1,814 bps
Asset Quality
Delinquent Loans / Loans4.35%8.36%6.69%3.78%0.78%-357 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.21%3.11%2.95%3.18%1.31%-89 bps
Capital
Risk-Based Capital7.52%7.14%9.17%7.79%6.91%-61 bps
Net Worth / Assets7.52%7.14%9.17%7.79%6.91%-61 bps
Liquidity & Funding
Loans / Shares64.90%53.18%66.67%62.11%51.76%-1,314 bps
Liquid Assets / Assets39.66%50.22%38.63%33.63%50.35%+1,069 bps