PackageTrendsPeer
Letter portraitLegal landscape

The Heights St Joseph

Bethlehem, PA · Charter 3153

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

The Heights St Joseph

Bethlehem, PA · Charter 3153

NCUA · 1 branch

Q4 2019

$10.8MAssets
$4.7MLoans
$9.8MShares
$592KNet 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 -2.86%, down 328 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 12.97% of loans (+674 bps YoY).
  • Capital: net worth / assets of 5.51%, down 266 bps from a year ago.
  • Funding: loans stand at 47.50% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.86%-328 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-6 bps YoY

Efficiency Ratio (YTD, annualized)

153.15%+6,342 bps YoY

Net Worth / Assets

5.51%-266 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.42%1.04%-2.04%0.76%-2.86%-328 bps
Return on Equity5.20%12.55%-29.45%8.55%-51.86%-5,706 bps
Net Interest Margin3.36%3.21%3.19%3.34%3.31%-6 bps
Efficiency Ratio89.73%88.78%72.04%69.76%153.15%+6,342 bps
Growth
Asset Growth (YoY)-3.74%-5.92%-1.60%-2.64%-2.39%+135 bps
Loan Growth (YoY)-0.08%0.19%-5.72%-8.88%-12.59%-1,251 bps
Share Growth (YoY)-4.62%-6.76%-1.08%-3.57%-2.72%+190 bps
Asset Quality
Delinquent Loans / Loans6.23%6.32%6.42%12.13%12.97%+674 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.36%1.13%4.82%1.97%1.49%+13 bps
Capital
Risk-Based Capital8.16%8.28%6.93%8.90%5.51%-266 bps
Net Worth / Assets8.16%8.28%6.93%8.90%5.51%-266 bps
Liquidity & Funding
Loans / Shares52.86%50.82%47.75%49.97%47.50%-536 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps