PackageTrendsPeer
Letter portraitLegal landscape

McKeesport Bell

McKeesport, PA · Charter 10427

NCUA · 1 branch

Q4 2023

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 2023, the quarter ended December 31, 2023, 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

McKeesport Bell

McKeesport, PA · Charter 10427

NCUA · 1 branch

Q4 2023

$9.4MAssets
$1.0MLoans
$8.8MShares
$621KNet 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 -0.96%, up 42 bps year over year; NIM at 1.98%.
  • Asset quality: problem loans at 2.08% of loans (-376 bps YoY).
  • Capital: net worth / assets of 6.59%, down 48 bps from a year ago.
  • Funding: loans stand at 11.45% of shares as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.96%+42 bps YoY

Net Interest Margin (YTD, annualized)

1.98%+36 bps YoY

Efficiency Ratio (YTD, annualized)

146.38%-801 bps YoY

Net Worth / Assets

6.59%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets-1.39%-1.11%-1.11%-0.84%-0.96%+42 bps
Return on Equity-19.60%-16.13%-16.84%-12.57%-14.59%+501 bps
Net Interest Margin1.62%1.76%1.78%1.90%1.98%+36 bps
Efficiency Ratio154.39%159.05%159.09%142.05%146.38%-801 bps
Growth
Asset Growth (YoY)-6.67%7.71%-3.84%-10.87%-6.33%+34 bps
Loan Growth (YoY)-15.57%-13.76%-8.99%-2.95%1.69%+1,727 bps
Share Growth (YoY)-5.21%-4.31%-2.21%-10.26%-5.97%-76 bps
Asset Quality
Delinquent Loans / Loans5.84%2.78%4.08%2.19%2.08%-376 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.83%1.50%3.53%5.60%5.43%-40 bps
Capital
Risk-Based Capital7.07%6.91%6.58%6.67%6.59%-48 bps
Net Worth / Assets7.07%6.91%6.58%6.67%6.59%-48 bps
Liquidity & Funding
Loans / Shares10.59%10.09%10.25%10.71%11.45%+86 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps