PackageTrendsPeer
Letter portraitLegal landscape

Msa Employees

Pittsburgh, PA · Charter 2428

NCUA · 2 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Msa Employees

Pittsburgh, PA · Charter 2428

NCUA · 2 branches

Q1 2017

$11.4MAssets
$2.9MLoans
$10.1MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of -0.20%, down 31 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.33% of loans (-79 bps YoY).
  • Capital: net worth / assets of 11.14%, down 5 bps from a year ago.
  • Funding: loans stand at 28.29% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

-0.20%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+4 bps YoY

Efficiency Ratio (YTD, annualized)

107.27%+1,138 bps YoY

Net Worth / Assets

11.14%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.36%0.41%0.19%0.12%0.01%0.02%0.14%-0.20%-31 bps
Return on Equity3.16%3.48%1.61%1.03%0.07%0.18%1.16%-1.77%-280 bps
Net Interest Margin2.63%2.74%2.70%2.41%2.40%2.40%2.50%2.45%+4 bps
Efficiency Ratio88.23%87.03%90.36%95.89%94.84%96.00%94.16%107.27%+1,138 bps
Growth
Asset Growth (YoY)-2.52%-0.35%0.62%0.68%1.41%4.95%0.84%0.91%+23 bps
Loan Growth (YoY)14.35%10.74%3.51%-6.63%-6.73%-6.45%-0.84%-3.80%+283 bps
Share Growth (YoY)-3.21%-0.94%0.51%0.55%1.51%5.70%0.76%1.50%+95 bps
Asset Quality
Delinquent Loans / Loans2.41%3.03%1.66%1.12%0.69%1.55%0.76%0.33%-79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.51%0.47%0.51%0.43%0.46%0.34%0.25%-26 bps
Capital
Risk-Based Capital11.34%11.84%11.64%11.19%11.19%11.18%11.68%11.14%-5 bps
Net Worth / Assets11.34%11.84%11.64%11.19%11.19%11.18%11.68%11.14%-5 bps
Liquidity & Funding
Loans / Shares33.22%33.81%32.73%29.85%30.52%29.92%32.21%28.29%-156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps