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Peoples Natural G Gen Ofs Emp

Pittsburgh, PA · Charter 181

NCUA · 1 branch

Q1 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: Q1 2022, the quarter ended March 31, 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

Peoples Natural G Gen Ofs Emp

Pittsburgh, PA · Charter 181

NCUA · 1 branch

Q1 2022

$1.9MAssets
$213KLoans
$1.6MShares
$309KNet Worth

Executive Summary

  • Earnings: ROA of -0.49%, down 95 bps year over year; NIM at 0.44%.
  • Asset quality: problem loans at 0.14% of loans (-19 bps YoY).
  • Capital: net worth / assets of 16.42%, down 336 bps from a year ago.
  • Funding: loans stand at 13.52% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

-0.49%-95 bps YoY

Net Interest Margin (YTD, annualized)

0.44%-72 bps YoY

Efficiency Ratio (YTD, annualized)

208%+14,780 bps YoY

Net Worth / Assets

16.42%-336 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.06%0.20%0.09%0.46%-0.08%0.15%-4.16%-0.49%-95 bps
Return on Equity0.36%1.12%0.49%2.33%-0.39%0.78%-26.78%-2.97%-530 bps
Net Interest Margin0.47%0.70%0.62%1.16%0.80%0.69%-3.60%0.44%-72 bps
Efficiency Ratio88.90%73.93%87.06%60.39%109.53%85.99%n/a208%+14,780 bps
Growth
Asset Growth (YoY)-3.77%0.21%0.67%-13.42%-14.00%-11.54%-12.44%-6.25%+716 bps
Loan Growth (YoY)-6.16%-35.02%-28.28%-32.39%-21.49%-9.33%-19.77%7.75%+4,014 bps
Share Growth (YoY)-4.68%0.44%1.37%-15.95%-16.14%-14.02%-14.73%-2.33%+1,362 bps
Asset Quality
Delinquent Loans / Loans0.56%0.09%0.00%0.33%0.00%0.48%0.44%0.14%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.34%9.62%9.03%10.64%10.62%10.61%11.26%9.87%-77 bps
Capital
Risk-Based Capital16.68%17.43%17.26%19.77%19.42%19.75%15.55%16.42%-336 bps
Net Worth / Assets16.68%17.43%17.26%19.77%19.42%19.75%15.55%16.42%-336 bps
Liquidity & Funding
Loans / Shares12.92%11.63%12.31%12.25%12.10%12.26%11.58%13.52%+126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps