Leola, PA · Charter 9267
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Leola, PA · Charter 9267
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | -0.59% | -0.55% | -2.20% | -8.39% | -961 bps | |
| Return on Equity | 5.57% | -2.59% | -2.16% | -9.09% | -35.48% | -4,106 bps | |
| Net Interest Margin | 3.29% | 2.84% | 3.37% | 1.72% | 2.20% | -108 bps | |
| Efficiency Ratio | 63.61% | 120.42% | 116.09% | 228% | 481% | +41,702 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.62% | -5.48% | -14.66% | -13.05% | -21.05% | -1,842 bps | |
| Loan Growth (YoY) | -9.96% | -21.67% | -38.40% | -49.96% | -40.35% | -3,038 bps | |
| Share Growth (YoY) | -2.70% | -6.41% | -18.43% | -15.79% | -22.81% | -2,011 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 3.11% | 4.19% | 4.61% | 4.32% | +171 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.90% | 22.77% | 25.51% | 24.17% | 23.64% | +174 bps | |
| Net Worth / Assets | 21.90% | 22.77% | 25.51% | 24.17% | 23.64% | +174 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.00% | 38.08% | 31.97% | 27.84% | 33.23% | -977 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |