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Selfreliance Balto

Baltimore, MD · Charter 10511

NCUA · 2 branches

Q2 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: Q2 2023, the quarter ended June 30, 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 2026-10-10

Selfreliance Balto

Baltimore, MD · Charter 10511

NCUA · 2 branches

Q2 2023

$15.9MAssets
$4.8MLoans
$14.0MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.95%, up 57 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.23% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.43%, up 209 bps from a year ago.
  • Funding: loans stand at 34.34% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.95%+57 bps YoY

Net Interest Margin (YTD, annualized)

1.65%+13 bps YoY

Efficiency Ratio (YTD, annualized)

179.13%+7,643 bps YoY

Net Worth / Assets

11.43%+209 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.66%0.52%0.53%0.38%0.35%0.41%3.43%0.95%+57 bps
Return on Equity7.64%5.81%5.90%4.09%3.64%3.94%30.23%8.28%+420 bps
Net Interest Margin1.53%1.53%1.37%1.51%1.66%1.87%1.98%1.65%+13 bps
Efficiency Ratio76.18%80.37%90.54%102.70%110.13%109.79%152.42%179.13%+7,643 bps
Growth
Asset Growth (YoY)9.58%-1.43%-2.51%-5.84%-7.96%-11.31%-11.75%-13.09%-724 bps
Loan Growth (YoY)-20.12%-16.99%-14.54%-14.92%-15.82%-22.70%-7.57%-9.31%+561 bps
Share Growth (YoY)10.34%-2.07%-3.53%-7.29%-8.97%-12.87%-14.12%-15.36%-806 bps
Asset Quality
Delinquent Loans / Loans0.00%0.20%0.22%0.22%0.23%0.25%0.22%0.23%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.83%6.89%7.27%6.92%6.62%6.62%2.27%2.35%-456 bps
Capital
Risk-Based Capital8.66%8.93%9.04%9.34%9.68%10.48%11.36%11.43%+209 bps
Net Worth / Assets8.66%8.93%9.04%9.34%9.68%10.48%11.36%11.43%+209 bps
Liquidity & Funding
Loans / Shares33.84%34.62%31.57%32.05%31.29%30.72%33.98%34.34%+229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps