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Beaver Avenue

Pittsburgh, PA · Charter 3838

NCUA · 1 branch

Q1 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: Q1 2019, the quarter ended March 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

Beaver Avenue

Pittsburgh, PA · Charter 3838

NCUA · 1 branch

Q1 2019

$4.1MAssets
$3.8MLoans
$4.0MShares
$67KNet 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 0.97%, up 933 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 8.21% of loans (+354 bps YoY).
  • Capital: net worth / assets of 1.64%, down 453 bps from a year ago.
  • Funding: loans stand at 94.25% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.97%+933 bps YoY

Net Interest Margin (YTD, annualized)

5.43%-8 bps YoY

Efficiency Ratio (YTD, annualized)

82.83%+2,356 bps YoY

Net Worth / Assets

1.64%-453 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-8.36%-3.31%-1.36%-7.33%0.97%+933 bps
Return on Equity-135.60%-49.80%-18.92%-527%59.09%+19,469 bps
Net Interest Margin5.52%5.69%5.45%5.75%5.43%-8 bps
Efficiency Ratio59.26%54.63%55.04%58.52%82.83%+2,356 bps
Growth
Asset Growth (YoY)-7.78%-6.19%-3.63%-9.39%-5.83%+196 bps
Loan Growth (YoY)-2.41%-7.93%-7.69%-9.60%-10.29%-787 bps
Share Growth (YoY)-4.71%-3.88%-2.59%-3.03%-1.27%+344 bps
Asset Quality
Delinquent Loans / Loans4.66%5.74%8.77%9.39%8.21%+354 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.21%5.79%5.67%12.34%10.66%+545 bps
Capital
Risk-Based Capital6.16%6.65%7.19%1.39%1.64%-453 bps
Net Worth / Assets6.16%6.65%7.19%1.39%1.64%-453 bps
Liquidity & Funding
Loans / Shares103.72%99.76%98.46%95.04%94.25%-947 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps