PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morning Star Baptist

Clairton, PA · Charter 20839

NCUA · 1 branch

Q3 2025

$238KAssets
$90KLoans
$134KShares
$104KNet 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 3.82%, up 507 bps year over year; NIM at 5.39%.
  • Asset quality: problem loans at 31.39% of loans (-548 bps YoY).
  • Capital: net worth / assets of 43.77%, up 1,238 bps from a year ago.
  • Funding: loans stand at 67.32% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

3.82%+507 bps YoY

Net Interest Margin (quarter, annualized)

5.39%+103 bps YoY

Efficiency Ratio (quarter, annualized)

108.45%-2,034 bps YoY

Net Worth / Assets

43.77%+1,238 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-1.26%0.87%-1.83%2.10%3.82%+507 bps
Return on Equity-4.00%2.57%-5.57%6.17%8.72%+1,271 bps
Net Interest Margin4.36%4.66%4.03%4.16%5.39%+103 bps
Efficiency Ratio128.79%133.30%90.55%89.82%108.45%-2,034 bps
Growth
Asset Growth (YoY)-11.06%-7.84%-6.20%-0.02%-18.88%-782 bps
Loan Growth (YoY)-4.25%-15.62%-19.84%-12.06%-16.26%-1,202 bps
Share Growth (YoY)-4.96%-12.43%-9.35%-3.96%-33.52%-2,856 bps
Asset Quality
Delinquent Loans / Loans36.87%39.60%29.77%22.19%31.39%-548 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans41.44%38.59%36.10%28.87%24.33%-1,711 bps
Capital
Risk-Based Capital31.39%33.93%32.85%34.04%43.77%+1,238 bps
Net Worth / Assets31.39%33.93%32.85%34.04%43.77%+1,238 bps
Liquidity & Funding
Loans / Shares53.45%49.21%43.98%48.17%67.32%+1,387 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps