PackageTrendsPeer
Letter portraitLegal landscape

Supervalu Associates Employees (PGH

Belle Vernon, PA · Charter 17184

Q1 2005

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 2005, the quarter ended March 31, 2005, 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

Supervalu Associates Employees (PGH

Belle Vernon, PA · Charter 17184

Q1 2005

$2.9MAssets
$2.2MLoans
$2.8MShares
$73KNet 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 -5.25%, down 386 bps year over year; NIM at 7.68%.
  • Asset quality: problem loans at 12.45% of loans (-151 bps YoY).
  • Capital: net worth / assets of 2.54%, down 182 bps from a year ago.
  • Funding: loans stand at 78.95% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-5.25%-386 bps YoY

Net Interest Margin (YTD, annualized)

7.68%+201 bps YoY

Efficiency Ratio (YTD, annualized)

61.63%+145 bps YoY

Net Worth / Assets

2.54%-182 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-1.39%-0.68%-1.83%-2.01%-5.25%-386 bps
Return on Equity-31.86%-15.81%-51.11%-56.42%-206%-17,458 bps
Net Interest Margin5.67%5.47%5.97%6.88%7.68%+201 bps
Efficiency Ratio60.17%60.25%58.87%57.91%61.63%+145 bps
Growth
Asset Growth (YoY)-15.08%-16.52%-19.41%-19.13%-22.14%-705 bps
Loan Growth (YoY)-7.86%-7.55%-10.78%-10.33%-14.83%-697 bps
Share Growth (YoY)-12.64%-15.13%-18.38%-18.23%-20.97%-833 bps
Asset Quality
Delinquent Loans / Loans13.96%14.26%13.40%11.28%12.45%-151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.93%4.86%5.28%4.07%7.49%+356 bps
Capital
Risk-Based Capital4.36%4.31%3.59%3.57%2.54%-182 bps
Net Worth / Assets4.36%4.31%3.59%3.57%2.54%-182 bps
Liquidity & Funding
Loans / Shares73.25%70.39%73.51%77.99%78.95%+570 bps
Liquid Assets / Assets30.23%33.46%30.52%24.91%26.68%-354 bps