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Carnegie Mellon University

Pittsburgh, PA · Charter 1101

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Carnegie Mellon University

Pittsburgh, PA · Charter 1101

NCUA · 1 branch

Q3 2022

$12.0MAssets
$2.2MLoans
$11.5MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.26%, up 11 bps year over year; NIM at 1.82%.
  • Asset quality: problem loans at 1.13% of loans (-167 bps YoY).
  • Capital: net worth / assets of 10.66%, up 161 bps from a year ago.
  • Funding: loans stand at 18.94% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

0.26%+11 bps YoY

Net Interest Margin (YTD, annualized)

1.82%+11 bps YoY

Efficiency Ratio (YTD, annualized)

84.66%-621 bps YoY

Net Worth / Assets

10.66%+161 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.55%0.06%0.12%0.15%-0.01%0.25%0.32%0.26%+11 bps
Return on Equity5.83%0.68%1.36%1.65%-0.11%2.48%3.12%2.45%+80 bps
Net Interest Margin2.49%1.86%1.77%1.71%1.65%1.65%1.70%1.82%+11 bps
Efficiency Ratio75.48%92.87%89.34%90.87%97.92%90.77%87.10%84.66%-621 bps
Growth
Asset Growth (YoY)14.12%11.99%12.87%10.43%3.87%-4.66%-13.48%-14.65%-2,508 bps
Loan Growth (YoY)-25.24%-28.95%-25.25%-27.98%-23.53%-16.13%-16.53%7.00%+3,499 bps
Share Growth (YoY)13.48%11.70%11.27%10.17%5.53%-1.10%-7.06%-7.04%-1,721 bps
Asset Quality
Delinquent Loans / Loans1.02%1.29%2.98%2.80%5.02%0.65%2.41%1.13%-167 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.79%0.72%0.58%0.79%0.87%0.67%0.56%0.86%+7 bps
Capital
Risk-Based Capital9.42%9.46%8.91%9.05%9.06%9.94%10.32%10.66%+161 bps
Net Worth / Assets9.42%9.46%8.91%9.05%9.06%9.94%10.32%10.66%+161 bps
Liquidity & Funding
Loans / Shares21.86%19.72%18.37%16.45%15.84%16.72%16.50%18.94%+249 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps