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J D M H

Jeannette, PA · Charter 15551

NCUA · 2 branches

Q1 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: Q1 2023, the quarter ended March 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 2026-10-10

J D M H

Jeannette, PA · Charter 15551

NCUA · 2 branches

Q1 2023

$4.6MAssets
$1.2MLoans
$2.8MShares
$1.8MNet 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 3.10%, up 379 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 2.77% of loans (+130 bps YoY).
  • Capital: net worth / assets of 39.00%, up 110 bps from a year ago.
  • Funding: loans stand at 41.77% of shares as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

3.10%+379 bps YoY

Net Interest Margin (YTD, annualized)

4.70%+270 bps YoY

Efficiency Ratio (YTD, annualized)

40.98%-8,460 bps YoY

Net Worth / Assets

39.00%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.69%-1.37%-2.31%-2.52%3.10%+379 bps
Return on Equity-1.82%-3.67%-6.09%-6.54%7.95%+977 bps
Net Interest Margin2.00%1.92%2.16%2.05%4.70%+270 bps
Efficiency Ratio125.58%138.87%191.16%182.66%40.98%-8,460 bps
Growth
Asset Growth (YoY)-0.68%-1.66%-4.41%-5.55%-5.33%-465 bps
Loan Growth (YoY)-18.30%-20.33%-19.78%-23.11%-28.26%-995 bps
Share Growth (YoY)0.43%-0.71%-3.68%-5.13%-8.53%-896 bps
Asset Quality
Delinquent Loans / Loans1.47%3.57%1.12%1.01%2.77%+130 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.44%1.99%0.80%0.90%1.03%-41 bps
Capital
Risk-Based Capital37.90%37.37%37.89%38.49%39.00%+110 bps
Net Worth / Assets37.90%37.37%37.89%38.49%39.00%+110 bps
Liquidity & Funding
Loans / Shares53.26%50.59%51.30%46.55%41.77%-1,149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps