PackageTrendsPeer
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Duq Lite Employees

Beaver, PA · Charter 7131

NCUA · 1 branch

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Duq Lite Employees

Beaver, PA · Charter 7131

NCUA · 1 branch

Q2 2017

$1.2MAssets
$987KLoans
$1.1MShares
$100KNet 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 -0.70%, down 56 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 1.10% of loans (-160 bps YoY).
  • Capital: net worth / assets of 8.34%, up 28 bps from a year ago.
  • Funding: loans stand at 89.81% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.70%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+17 bps YoY

Efficiency Ratio (YTD, annualized)

122.10%+1,728 bps YoY

Net Worth / Assets

8.34%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.14%-0.27%-0.83%-0.77%-0.70%-56 bps
Return on Equity-1.79%-3.41%-10.14%-9.17%-8.40%-661 bps
Net Interest Margin3.00%2.94%3.26%2.97%3.17%+17 bps
Efficiency Ratio104.82%109.32%108.95%125.91%122.10%+1,728 bps
Growth
Asset Growth (YoY)-12.39%-9.94%-18.60%-10.08%-15.05%-266 bps
Loan Growth (YoY)-13.25%2.49%-2.81%-4.41%-0.14%+1,311 bps
Share Growth (YoY)-13.25%-10.49%-19.30%-10.32%-15.28%-204 bps
Asset Quality
Delinquent Loans / Loans2.70%0.75%1.57%1.12%1.10%-160 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.34%0.23%0.16%0.14%-21 bps
Capital
Risk-Based Capital8.06%8.03%8.20%8.39%8.34%+28 bps
Net Worth / Assets8.06%8.03%8.20%8.39%8.34%+28 bps
Liquidity & Funding
Loans / Shares76.18%82.13%88.73%85.58%89.81%+1,362 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps