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Lyon Employees

York, PA · Charter 7566

Q4 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: Q4 2013, the quarter ended December 31, 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

Lyon Employees

York, PA · Charter 7566

Q4 2013

$210KAssets
$50KLoans
$105KShares
$104KNet 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 -2.40%, down 164 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 49.55%, down 162 bps from a year ago.
  • Funding: loans stand at 47.56% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.40%-164 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-157 bps YoY

Efficiency Ratio (YTD, annualized)

167.17%+5,251 bps YoY

Net Worth / Assets

49.55%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.76%0.51%-0.21%-1.28%-2.40%-164 bps
Return on Equity-1.48%1.03%-0.43%-2.58%-4.83%-336 bps
Net Interest Margin5.14%4.86%4.71%3.97%3.57%-157 bps
Efficiency Ratio114.66%89.44%104.55%132.20%167.17%+5,251 bps
Growth
Asset Growth (YoY)1.49%1.84%-0.24%0.39%-1.06%-256 bps
Loan Growth (YoY)-37.68%-32.31%-8.80%55.55%55.32%+9,299 bps
Share Growth (YoY)4.83%5.33%0.94%3.35%2.10%-273 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%0.32%0.27%0.18%0.20%-161 bps
Capital
Risk-Based Capital51.16%49.76%50.09%49.65%49.55%-162 bps
Net Worth / Assets51.16%49.76%50.09%49.65%49.55%-162 bps
Liquidity & Funding
Loans / Shares31.27%28.12%34.78%50.90%47.56%+1,630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps