PackageTrendsPeer
Letter portraitLegal landscape

Monroeville Boro

Monroeville, PA · Charter 21619

NCUA · 1 branch

Q4 2021

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: Q4 2021, the quarter ended December 31, 2021, 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

Monroeville Boro

Monroeville, PA · Charter 21619

NCUA · 1 branch

Q4 2021

$883KAssets
$188KLoans
$772KShares
$110KNet 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 -5.06%, down 498 bps year over year; NIM at -3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.50%, down 629 bps from a year ago.
  • Funding: loans stand at 24.41% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-5.06%-498 bps YoY

Net Interest Margin (YTD, annualized)

-3.73%-548 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.50%-629 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-0.08%0.28%-0.55%-0.15%-5.06%-498 bps
Return on Equity-0.45%1.57%-3.16%-0.90%-40.49%-4,004 bps
Net Interest Margin1.75%1.19%0.99%1.12%-3.73%-548 bps
Efficiency Ratio76.77%76.43%155.37%113.49%n/an/a
Growth
Asset Growth (YoY)8.75%12.09%6.48%9.83%7.02%-172 bps
Loan Growth (YoY)-29.05%-32.77%-31.21%-31.11%-35.85%-679 bps
Share Growth (YoY)11.12%15.72%7.97%12.19%15.32%+420 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%3.92%4.16%4.55%5.31%+190 bps
Capital
Risk-Based Capital18.80%18.06%17.54%17.05%12.50%-629 bps
Net Worth / Assets18.80%18.06%17.54%17.05%12.50%-629 bps
Liquidity & Funding
Loans / Shares43.87%36.11%33.46%29.35%24.41%-1,947 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps