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St. Albert the Great

Pittsburgh, PA · Charter 13353

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

St. Albert the Great

Pittsburgh, PA · Charter 13353

Q2 2008

$1.7MAssets
$1.1MLoans
$1.5MShares
$218KNet 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 -4.48%, down 341 bps year over year; NIM at 0.81%.
  • Asset quality: problem loans at 19.93% of loans (+1,775 bps YoY).
  • Capital: net worth / assets of 12.59%, up 119 bps from a year ago.
  • Funding: loans stand at 77.15% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-4.48%-341 bps YoY

Net Interest Margin (YTD, annualized)

0.81%-239 bps YoY

Efficiency Ratio (YTD, annualized)

353%+25,158 bps YoY

Net Worth / Assets

12.59%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-1.07%-1.08%-1.00%-4.43%-4.48%-341 bps
Return on Equity-9.40%-8.86%-8.55%-35.71%-35.57%-2,617 bps
Net Interest Margin3.20%3.30%3.09%-1.74%0.81%-239 bps
Efficiency Ratio101.71%104.51%110.28%n/a353%+25,158 bps
Growth
Asset Growth (YoY)-10.04%-13.18%-5.75%-16.94%-23.90%-1,387 bps
Loan Growth (YoY)-7.81%-14.07%-12.32%-16.58%-22.16%-1,435 bps
Share Growth (YoY)-11.54%-14.27%-12.92%-25.69%-24.55%-1,301 bps
Asset Quality
Delinquent Loans / Loans2.18%1.82%4.05%15.94%19.93%+1,775 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.41%0.66%0.69%0.76%0.88%-53 bps
Capital
Risk-Based Capital11.40%12.20%11.74%12.40%12.59%+119 bps
Net Worth / Assets11.40%12.20%11.74%12.40%12.59%+119 bps
Liquidity & Funding
Loans / Shares74.78%77.22%77.45%84.99%77.15%+237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps