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Park Community Credit Union, Inc.

Louisville, KY · Charter 68644

NCUA · 16 branches

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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

Park Community Credit Union, Inc.

Louisville, KY · Charter 68644

NCUA · 16 branches

Q3 2021

$1.2BAssets
$755.8MLoans
$1.0BShares
$113.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, up 75 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.43% of loans (-15 bps YoY).
  • Capital: net worth / assets of 9.58%, up 37 bps from a year ago.
  • Funding: loans stand at 72.32% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

0.90%+75 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-14 bps YoY

Efficiency Ratio (YTD, annualized)

78.62%-670 bps YoY

Net Worth / Assets

9.58%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.49%0.09%0.19%0.15%0.19%0.69%0.80%0.90%+75 bps
Return on Equity4.87%0.98%2.11%1.63%2.02%7.55%8.50%9.41%+778 bps
Net Interest Margin3.24%3.02%2.81%2.82%2.74%2.68%2.71%2.68%-14 bps
Efficiency Ratio80.58%84.76%84.85%85.31%84.63%82.77%80.67%78.62%-670 bps
Growth
Asset Growth (YoY)7.45%8.39%14.51%13.23%15.03%13.19%7.78%9.13%-410 bps
Loan Growth (YoY)8.93%5.15%0.34%0.65%-0.93%-4.19%-3.57%-6.83%-748 bps
Share Growth (YoY)9.54%11.03%18.17%18.66%19.54%16.49%9.64%10.09%-857 bps
Asset Quality
Delinquent Loans / Loans0.81%0.76%0.58%0.58%0.48%0.48%0.40%0.43%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.67%0.73%0.85%0.92%0.87%0.83%0.82%-3 bps
Capital
Risk-Based Capital10.09%9.60%9.15%9.21%9.41%9.16%9.38%9.58%+37 bps
Net Worth / Assets10.09%9.60%9.15%9.21%9.41%9.16%9.38%9.58%+37 bps
Liquidity & Funding
Loans / Shares97.75%92.11%84.54%85.46%81.01%75.76%74.35%72.32%-1,313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps