Morning Star Baptist
Clairton, PA · Charter 20839 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=89)
NCUA · 1 branch
Q3 2025
$238KAssets
$90KLoans
$134KShares
$104KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 2 of 89).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 89 of 89).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
3.92%
Rank 3 of 89
Net Interest Margin
5.60%
Rank 2 of 89
Efficiency Ratio
100.00%
Rank 79 of 89
Equity / Assets
43.70%
Rank 2 of 89
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.92% | 0.46% | 0.84% | 1.47% | Beats 97% | 3 / 89 | | |
| Return on Equity | 8.97% | 2.64% | 5.74% | 9.98% | Beats 69% | 28 / 89 | | |
| Net Interest Margin | 5.60% | 2.99% | 3.59% | 4.24% | Beats 98% | 2 / 89 | | |
| Efficiency Ratio | 100.00% | 60.43% | 73.61% | 85.91% | Beats 12% | 79 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 31.11% | 0.19% | 0.80% | 2.07% | Beats 1% | 89 / 89 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 43.77% | 12.00% | 14.48% | 18.40% | Beats 98% | 2 / 89 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 43.70% | 12.00% | 14.47% | 18.40% | Beats 98% | 2 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.32% | 35.89% | 52.93% | 70.20% | 70th pctl | 27 / 89 | | |
| Loans / Assets | 37.82% | 30.38% | 44.12% | 58.33% | 42nd pctl | 52 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |