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PP&L G.O.L.D.

Allentown, PA · Charter 64884

NCUA · 2 branches

Q1 2024

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 2024, the quarter ended March 31, 2024, 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

PP&L G.O.L.D.

Allentown, PA · Charter 64884

NCUA · 2 branches

Q1 2024

$138.7MAssets
$103.3MLoans
$130.2MShares
$9.6MNet Worth

Executive Summary

  • Earnings: ROA of -5.11%, down 387 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.38% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.95%, down 132 bps from a year ago.
  • Funding: loans stand at 79.37% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

-5.11%-387 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-44 bps YoY

Efficiency Ratio (YTD, annualized)

256%+14,282 bps YoY

Net Worth / Assets

6.95%-132 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets-0.21%-0.55%-0.76%-1.24%-0.11%-0.37%-1.09%-5.11%-387 bps
Return on Equity-2.26%-6.22%-8.93%-15.02%-1.30%-4.19%-13.21%-73.55%-5,853 bps
Net Interest Margin3.14%3.19%3.10%3.05%3.03%3.05%3.03%2.60%-44 bps
Efficiency Ratio100.82%101.80%105.56%113.04%86.00%94.44%112.29%256%+14,282 bps
Growth
Asset Growth (YoY)1.33%-3.23%-2.53%-3.81%-3.30%-5.15%-8.48%-10.39%-658 bps
Loan Growth (YoY)13.95%1.26%-2.60%-6.70%-6.43%-5.11%-5.88%-8.84%-214 bps
Share Growth (YoY)3.05%-1.54%-0.75%-2.56%-1.93%-4.27%-7.74%-9.12%-656 bps
Asset Quality
Delinquent Loans / Loans0.19%0.32%0.29%0.38%0.32%0.42%0.63%0.38%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.19%0.46%0.37%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.13%8.93%8.52%8.26%8.71%8.77%8.22%6.95%-132 bps
Net Worth / Assets9.13%8.93%8.52%8.26%8.71%8.77%8.22%6.95%-132 bps
Liquidity & Funding
Loans / Shares83.87%82.01%79.39%79.13%80.02%81.29%80.99%79.37%+24 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps