PackageTrendsPeer
Letter portraitLegal landscape

C H E

Chambersburg, PA · Charter 65353

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

C H E

Chambersburg, PA · Charter 65353

Q2 2013

$7.0MAssets
$5.3MLoans
$6.6MShares
$424KNet Worth

Executive Summary

  • Earnings: ROA of -3.67%, down 454 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.88% of loans (+20 bps YoY).
  • Capital: net worth / assets of 6.05%, down 85 bps from a year ago.
  • Funding: loans stand at 79.90% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-3.67%-454 bps YoY

Net Interest Margin (YTD, annualized)

4.70%-25 bps YoY

Efficiency Ratio (YTD, annualized)

138.59%+5,547 bps YoY

Net Worth / Assets

6.05%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.20%0.00%0.88%0.87%0.68%0.50%0.10%-3.67%-454 bps
Return on Equity-3.14%0.00%13.17%12.68%9.49%6.92%1.48%-60.63%-7,330 bps
Net Interest Margin4.87%5.01%4.98%4.95%5.13%5.07%4.57%4.70%-25 bps
Efficiency Ratio101.50%96.98%85.46%83.12%87.61%87.97%98.19%138.59%+5,547 bps
Growth
Asset Growth (YoY)10.37%5.02%7.02%1.01%-0.80%-0.08%0.84%-12.00%-1,300 bps
Loan Growth (YoY)0.53%-0.84%1.84%7.54%4.54%-1.68%-2.21%-6.41%-1,395 bps
Share Growth (YoY)11.35%5.31%7.50%0.42%-1.79%-0.58%0.42%-11.16%-1,157 bps
Asset Quality
Delinquent Loans / Loans0.91%0.14%0.27%0.67%0.70%2.28%1.65%0.88%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.83%0.99%0.89%0.96%1.00%1.35%1.19%1.40%+43 bps
Capital
Risk-Based Capital6.42%6.65%6.66%6.89%7.15%7.17%6.90%6.05%-85 bps
Net Worth / Assets6.42%6.65%6.66%6.89%7.15%7.17%6.90%6.05%-85 bps
Liquidity & Funding
Loans / Shares72.15%74.25%70.64%75.85%76.80%73.43%68.78%79.90%+405 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps