PackageTrendsPeer
Letter portraitLegal landscape

A B Bellco Employees

Allentown, PA · Charter 9083

NCUA · 1 branch

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

A B Bellco Employees

Allentown, PA · Charter 9083

NCUA · 1 branch

Q3 2016

$15.7MAssets
$10.6MLoans
$15.0MShares
$666KNet 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 -1.51%, down 8 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.67% of loans (+33 bps YoY).
  • Capital: net worth / assets of 4.25%, down 136 bps from a year ago.
  • Funding: loans stand at 70.90% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.51%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+20 bps YoY

Efficiency Ratio (YTD, annualized)

145.78%+3,116 bps YoY

Net Worth / Assets

4.25%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.43%-1.06%-0.58%-0.34%-1.51%-8 bps
Return on Equity-25.53%-19.37%-11.22%-6.47%-35.60%-1,008 bps
Net Interest Margin2.74%2.73%2.77%2.88%2.94%+20 bps
Efficiency Ratio114.62%114.23%118.15%110.17%145.78%+3,116 bps
Growth
Asset Growth (YoY)-0.29%3.48%3.89%1.83%3.97%+425 bps
Loan Growth (YoY)14.76%18.21%15.45%14.66%4.91%-985 bps
Share Growth (YoY)1.17%4.93%5.27%2.92%5.53%+435 bps
Asset Quality
Delinquent Loans / Loans0.34%0.79%0.88%0.29%0.67%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.64%0.56%0.52%0.18%-66 bps
Capital
Risk-Based Capital5.61%5.47%5.21%5.24%4.25%-136 bps
Net Worth / Assets5.61%5.47%5.21%5.24%4.25%-136 bps
Liquidity & Funding
Loans / Shares71.32%71.58%69.15%73.11%70.90%-41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps