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Plumbers Local #27

Pittsburgh, PA · Charter 24594

NCUA · 1 branch

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Plumbers Local #27

Pittsburgh, PA · Charter 24594

NCUA · 1 branch

Q3 2018

$2.5MAssets
$457KLoans
$2.3MShares
$208KNet 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 0.15%, up 48 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 4.61% of loans (-170 bps YoY).
  • Capital: net worth / assets of 8.39%, down 162 bps from a year ago.
  • Funding: loans stand at 20.11% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.15%+48 bps YoY

Net Interest Margin (YTD, annualized)

1.93%+14 bps YoY

Efficiency Ratio (YTD, annualized)

79.96%-2,117 bps YoY

Net Worth / Assets

8.39%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.33%-0.30%0.45%-0.06%0.15%+48 bps
Return on Equity-3.33%-3.17%5.00%-0.75%1.78%+511 bps
Net Interest Margin1.79%1.70%2.22%1.95%1.93%+14 bps
Efficiency Ratio101.13%104.22%79.66%82.97%79.96%-2,117 bps
Growth
Asset Growth (YoY)-5.35%-0.78%3.69%11.96%18.46%+2,382 bps
Loan Growth (YoY)-12.16%-9.62%-16.02%-18.86%-11.76%+40 bps
Share Growth (YoY)-5.62%-0.37%4.38%13.49%20.59%+2,621 bps
Asset Quality
Delinquent Loans / Loans6.31%5.37%6.84%6.78%4.61%-170 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.38%1.96%2.65%4.42%4.20%+182 bps
Capital
Risk-Based Capital10.01%9.34%9.07%8.60%8.39%-162 bps
Net Worth / Assets10.01%9.34%9.07%8.60%8.39%-162 bps
Liquidity & Funding
Loans / Shares27.49%25.99%21.88%18.91%20.11%-737 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps