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St. Agathas Ellwood Cy Parish

Ellwood City, PA · Charter 7360

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

St. Agathas Ellwood Cy Parish

Ellwood City, PA · Charter 7360

Q4 2002

$232KAssets
$47KLoans
$176KShares
$50KNet 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 0.07%, down 571 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 13.16% of loans (+831 bps YoY).
  • Capital: net worth / assets of 21.67%, down 84 bps from a year ago.
  • Funding: loans stand at 26.57% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.07%-571 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-567 bps YoY

Efficiency Ratio (YTD, annualized)

97.43%+6,627 bps YoY

Net Worth / Assets

21.67%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets5.78%0.52%2.44%2.33%0.07%-571 bps
Return on Equity25.67%2.37%10.63%10.17%0.31%-2,535 bps
Net Interest Margin8.31%6.52%5.00%4.77%2.64%-567 bps
Efficiency Ratio31.16%39.69%51.31%51.14%97.43%+6,627 bps
Growth
Asset Growth (YoY)-3.69%-9.12%-6.16%-6.81%-6.99%-330 bps
Loan Growth (YoY)-23.80%-35.72%-48.47%-28.42%-34.18%-1,037 bps
Share Growth (YoY)-2.06%-5.87%-3.37%-8.42%-8.73%-666 bps
Asset Quality
Delinquent Loans / Loans4.85%15.80%12.90%11.88%13.16%+831 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.86%18.68%17.57%17.56%20.12%+1,526 bps
Capital
Risk-Based Capital22.51%21.73%22.91%22.91%21.67%-84 bps
Net Worth / Assets22.51%21.73%22.91%22.91%21.67%-84 bps
Liquidity & Funding
Loans / Shares36.85%35.03%29.32%29.06%26.57%-1,028 bps
Liquid Assets / Assets72.05%64.15%80.46%78.92%83.03%+1,097 bps