PackageTrendsPeer
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Mem

Pittsburgh, PA · Charter 276

NCUA · 1 branch

Q2 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: Q2 2021, the quarter ended June 30, 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

Mem

Pittsburgh, PA · Charter 276

NCUA · 1 branch

Q2 2021

$21.2MAssets
$5.3MLoans
$19.1MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.51%, down 50 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 0.00% of loans (-167 bps YoY).
  • Capital: net worth / assets of 9.68%, down 143 bps from a year ago.
  • Funding: loans stand at 27.94% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

-0.51%-50 bps YoY

Net Interest Margin (YTD, annualized)

1.56%-81 bps YoY

Efficiency Ratio (YTD, annualized)

127.89%+3,379 bps YoY

Net Worth / Assets

9.68%-143 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.68%0.48%0.22%-0.01%-0.03%-0.19%-0.49%-0.51%-50 bps
Return on Equity5.51%3.95%1.87%-0.08%-0.23%-1.90%-5.00%-5.24%-515 bps
Net Interest Margin3.14%3.10%2.65%2.36%2.25%2.09%1.60%1.56%-81 bps
Efficiency Ratio80.67%82.63%92.44%94.10%96.75%100.23%126.51%127.89%+3,379 bps
Growth
Asset Growth (YoY)-7.86%-1.88%-2.42%5.17%12.53%17.85%17.03%9.80%+463 bps
Loan Growth (YoY)4.35%-4.82%-5.54%-10.78%-14.84%-13.13%-16.98%-15.43%-465 bps
Share Growth (YoY)-9.12%-2.72%-2.75%6.06%14.35%20.61%19.79%11.76%+570 bps
Asset Quality
Delinquent Loans / Loans0.48%0.69%1.42%1.67%1.22%0.75%0.29%0.00%-167 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.39%0.54%0.56%0.40%0.42%0.54%0.58%0.45%+5 bps
Capital
Risk-Based Capital12.28%12.21%11.96%11.11%10.87%10.17%9.86%9.68%-143 bps
Net Worth / Assets12.28%12.21%11.96%11.11%10.87%10.17%9.86%9.68%-143 bps
Liquidity & Funding
Loans / Shares46.70%44.33%42.16%36.93%34.78%31.93%29.22%27.94%-899 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps