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P.N.G. Northern

Leechburg, PA · Charter 20567

NCUA · 3 branches

Q2 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: Q2 2022, the quarter ended June 30, 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 2026-10-10

P.N.G. Northern

Leechburg, PA · Charter 20567

NCUA · 3 branches

Q2 2022

$2.3MAssets
$1.4MLoans
$2.2MShares
$112KNet 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 -25.24%, down 2,327 bps year over year; NIM at 5.22%.
  • Asset quality: problem loans at 12.51% of loans (+813 bps YoY).
  • Capital: net worth / assets of 4.81%, down 891 bps from a year ago.
  • Funding: loans stand at 64.08% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-25.24%-2,327 bps YoY

Net Interest Margin (YTD, annualized)

5.22%+245 bps YoY

Efficiency Ratio (YTD, annualized)

297%+19,929 bps YoY

Net Worth / Assets

4.81%-891 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-1.98%-1.75%-2.06%-25.22%-25.24%-2,327 bps
Return on Equity-14.41%-12.94%-14.66%-291%-525%-51,079 bps
Net Interest Margin2.77%4.01%4.14%3.69%5.22%+245 bps
Efficiency Ratio97.63%109.78%123.05%385%297%+19,929 bps
Growth
Asset Growth (YoY)-13.91%-11.75%-22.37%-28.01%-25.67%-1,176 bps
Loan Growth (YoY)-18.90%-21.04%-25.26%-37.16%-41.09%-2,218 bps
Share Growth (YoY)-14.47%-11.88%-23.70%-25.06%-18.35%-388 bps
Asset Quality
Delinquent Loans / Loans4.38%15.71%19.68%13.02%12.51%+813 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.31%3.63%3.67%0.92%8.40%+509 bps
Capital
Risk-Based Capital13.71%13.55%14.06%8.68%4.81%-891 bps
Net Worth / Assets13.71%13.55%14.06%8.68%4.81%-891 bps
Liquidity & Funding
Loans / Shares88.81%81.24%79.03%65.10%64.08%-2,473 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps