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Servco

Feasterville, PA · Charter 6761

Q4 2015

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: Q4 2015, the quarter ended December 31, 2015, 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

Servco

Feasterville, PA · Charter 6761

Q4 2015

$2.2MAssets
$376KLoans
$1.7MShares
$498KNet 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 0.06%, down 8 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 11.58% of loans (-287 bps YoY).
  • Capital: net worth / assets of 22.71%, up 304 bps from a year ago.
  • Funding: loans stand at 22.33% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.06%-8 bps YoY

Net Interest Margin (YTD, annualized)

1.64%-69 bps YoY

Efficiency Ratio (YTD, annualized)

97.70%+300 bps YoY

Net Worth / Assets

22.71%+304 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.13%0.52%-0.23%0.05%0.06%-8 bps
Return on Equity0.67%2.49%-1.12%0.23%0.25%-42 bps
Net Interest Margin2.32%1.88%1.53%1.70%1.64%-69 bps
Efficiency Ratio94.70%76.95%111.36%97.97%97.70%+300 bps
Growth
Asset Growth (YoY)-9.66%-13.72%-13.70%-10.26%-11.17%-150 bps
Loan Growth (YoY)-10.79%-12.83%-24.26%-19.62%-15.86%-507 bps
Share Growth (YoY)-13.04%-17.19%-16.75%-13.30%-13.70%-65 bps
Asset Quality
Delinquent Loans / Loans14.45%12.80%15.08%11.48%11.58%-287 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.08%12.48%13.76%14.60%14.73%+265 bps
Capital
Risk-Based Capital19.67%20.79%20.55%21.32%22.71%+304 bps
Net Worth / Assets19.67%20.79%20.55%21.32%22.71%+304 bps
Liquidity & Funding
Loans / Shares22.90%23.53%21.15%21.23%22.33%-57 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps