PackageTrendsPeer
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West Penn Northern Div Emp

Arnold, PA · Charter 840

Q4 2005

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 2005, the quarter ended December 31, 2005, 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

West Penn Northern Div Emp

Arnold, PA · Charter 840

Q4 2005

$673KAssets
$368KLoans
$546KShares
$127KNet 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 0.05%, up 1 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.37% of loans (-161 bps YoY).
  • Capital: net worth / assets of 18.85%, up 373 bps from a year ago.
  • Funding: loans stand at 67.29% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.05%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.33%+23 bps YoY

Efficiency Ratio (YTD, annualized)

97.98%+403 bps YoY

Net Worth / Assets

18.85%+373 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.03%0.05%0.04%0.05%0.05%+1 bps
Return on Equity0.21%0.36%0.22%0.29%0.25%+4 bps
Net Interest Margin2.10%1.94%2.19%2.22%2.33%+23 bps
Efficiency Ratio93.95%97.21%98.29%97.73%97.98%+403 bps
Growth
Asset Growth (YoY)-14.73%-15.22%-20.44%-16.46%-19.60%-488 bps
Loan Growth (YoY)-13.48%19.18%51.81%33.42%18.76%+3,224 bps
Share Growth (YoY)-16.93%-17.46%-23.63%-19.30%-23.14%-621 bps
Asset Quality
Delinquent Loans / Loans1.98%0.65%0.50%0.42%0.37%-161 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%1.01%0.89%0.90%0.97%-18 bps
Capital
Risk-Based Capital15.12%15.14%16.89%17.42%18.85%+373 bps
Net Worth / Assets15.12%15.14%16.89%17.42%18.85%+373 bps
Liquidity & Funding
Loans / Shares43.55%49.81%64.33%66.02%67.29%+2,374 bps
Liquid Assets / Assets60.26%55.20%43.81%42.98%42.66%-1,761 bps