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B K Pittsburgh Employees

Pleasant Hills, PA · Charter 12742

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

B K Pittsburgh Employees

Pleasant Hills, PA · Charter 12742

Q1 2003

$2.3MAssets
$821KLoans
$2.1MShares
$206KNet 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 -39.74%, down 4,120 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 36.89% of loans (+1,674 bps YoY).
  • Capital: net worth / assets of 8.96%, down 553 bps from a year ago.
  • Funding: loans stand at 39.47% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-39.74%-4,120 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+83 bps YoY

Efficiency Ratio (YTD, annualized)

178.19%+12,078 bps YoY

Net Worth / Assets

8.96%-553 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.46%-1.39%-0.12%-0.44%-39.74%-4,120 bps
Return on Equity10.08%-9.33%-0.77%-2.94%-443%-45,340 bps
Net Interest Margin3.31%2.52%3.37%2.67%4.15%+83 bps
Efficiency Ratio57.41%78.22%64.53%78.75%178.19%+12,078 bps
Growth
Asset Growth (YoY)-1.93%6.78%6.22%-0.18%-22.61%-2,068 bps
Loan Growth (YoY)-15.28%-23.89%-34.80%-39.11%-44.96%-2,967 bps
Share Growth (YoY)-4.64%7.28%7.64%0.63%-16.13%-1,149 bps
Asset Quality
Delinquent Loans / Loans20.15%23.04%29.44%34.97%36.89%+1,674 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.04%8.80%6.35%7.82%34.43%+2,840 bps
Capital
Risk-Based Capital14.50%14.90%15.06%15.08%8.96%-553 bps
Net Worth / Assets14.50%14.90%15.06%15.08%8.96%-553 bps
Liquidity & Funding
Loans / Shares60.14%49.06%43.00%38.74%39.47%-2,067 bps
Liquid Assets / Assets50.84%60.24%63.87%68.94%70.30%+1,946 bps