PackageTrendsPeer
Letter portraitLegal landscape

Traylor Employees

Allentown, PA · Charter 8748

Q2 2004

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 2004, the quarter ended June 30, 2004, 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

Traylor Employees

Allentown, PA · Charter 8748

Q2 2004

$198KAssets
$26KLoans
$132KShares
$66KNet 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 -0.68%, up 690 bps year over year; NIM at 0.91%.
  • Asset quality: problem loans at 36.76% of loans (-1,398 bps YoY).
  • Capital: net worth / assets of 33.25%, down 12 bps from a year ago.
  • Funding: loans stand at 19.63% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

-0.68%+690 bps YoY

Net Interest Margin (YTD, annualized)

0.91%-267 bps YoY

Efficiency Ratio (YTD, annualized)

175.11%+2,443 bps YoY

Net Worth / Assets

33.25%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets-7.58%-5.56%-4.51%-1.37%-0.68%+690 bps
Return on Equity-22.72%-16.63%-13.45%-4.12%-2.06%+2,066 bps
Net Interest Margin3.58%3.47%3.44%1.82%0.91%-267 bps
Efficiency Ratio150.68%148.14%145.30%175.11%175.11%+2,443 bps
Growth
Asset Growth (YoY)-8.37%-7.09%-3.88%-6.29%-3.07%+530 bps
Loan Growth (YoY)-11.58%-17.64%-54.19%-58.41%-54.69%-4,311 bps
Share Growth (YoY)-6.31%-4.22%1.22%-2.55%-2.33%+398 bps
Asset Quality
Delinquent Loans / Loans50.74%40.62%34.02%36.76%36.76%-1,398 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans28.58%32.44%40.39%45.35%45.35%+1,676 bps
Capital
Risk-Based Capital33.37%33.41%33.55%33.25%33.25%-12 bps
Net Worth / Assets33.37%33.41%33.55%33.25%33.25%-12 bps
Liquidity & Funding
Loans / Shares42.31%37.54%22.00%19.63%19.63%-2,268 bps
Liquid Assets / Assets78.98%82.11%90.25%91.99%91.99%+1,300 bps