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Keystone Valley

East Pittsburgh, PA · Charter 1032

Q1 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: Q1 2005, the quarter ended March 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

Keystone Valley

East Pittsburgh, PA · Charter 1032

Q1 2005

$2.4MAssets
$912KLoans
$2.0MShares
$322KNet 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 -3.38%, down 251 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.35% of loans (-50 bps YoY).
  • Capital: net worth / assets of 13.61%, down 317 bps from a year ago.
  • Funding: loans stand at 44.76% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-3.38%-251 bps YoY

Net Interest Margin (YTD, annualized)

3.77%-13 bps YoY

Efficiency Ratio (YTD, annualized)

119.92%-1 bps YoY

Net Worth / Assets

13.61%-317 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.87%-0.81%-0.88%-3.70%-3.38%-251 bps
Return on Equity-5.18%-4.83%-5.16%-25.47%-24.85%-1,967 bps
Net Interest Margin3.90%3.96%4.13%1.40%3.77%-13 bps
Efficiency Ratio119.94%118.07%116.53%288%119.92%-1 bps
Growth
Asset Growth (YoY)-3.78%-4.89%-6.60%-6.44%-6.28%-250 bps
Loan Growth (YoY)-15.42%-17.86%-14.93%-13.51%-20.01%-459 bps
Share Growth (YoY)-3.59%-4.85%-6.76%-3.46%-2.56%+103 bps
Asset Quality
Delinquent Loans / Loans1.85%1.97%2.66%0.68%1.35%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%0.91%1.14%0.09%1.46%+46 bps
Capital
Risk-Based Capital16.78%16.69%17.12%14.54%13.61%-317 bps
Net Worth / Assets16.78%16.69%17.12%14.54%13.61%-317 bps
Liquidity & Funding
Loans / Shares54.52%52.03%52.23%50.78%44.76%-976 bps
Liquid Assets / Assets31.58%8.60%10.73%27.74%29.07%-250 bps