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Duquesne Light Pittsburgh

Pittsburgh, PA · Charter 4517

NCUA · 1 branch

Q4 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: Q4 2021, the quarter ended December 31, 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

Duquesne Light Pittsburgh

Pittsburgh, PA · Charter 4517

NCUA · 1 branch

Q4 2021

$8.9MAssets
$1.2MLoans
$7.7MShares
$1.2MNet 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 -0.73%, down 88 bps year over year; NIM at 1.32%.
  • Asset quality: problem loans at 0.07% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.74%, up 28 bps from a year ago.
  • Funding: loans stand at 16.00% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-88 bps YoY

Net Interest Margin (YTD, annualized)

1.32%-108 bps YoY

Efficiency Ratio (YTD, annualized)

174.89%+8,613 bps YoY

Net Worth / Assets

13.74%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.16%0.16%-0.30%-0.23%-0.73%-88 bps
Return on Equity1.16%1.26%-2.35%-1.78%-5.28%-645 bps
Net Interest Margin2.40%1.52%1.37%1.32%1.32%-108 bps
Efficiency Ratio88.76%126.31%138.23%124.73%174.89%+8,613 bps
Growth
Asset Growth (YoY)5.83%10.22%5.65%2.59%-4.07%-991 bps
Loan Growth (YoY)-22.92%-26.27%-20.54%-22.15%-24.42%-150 bps
Share Growth (YoY)6.69%11.82%6.78%3.30%-4.17%-1,086 bps
Asset Quality
Delinquent Loans / Loans0.07%0.11%0.03%0.04%0.07%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.58%1.89%2.00%2.16%1.26%-132 bps
Capital
Risk-Based Capital13.46%13.00%12.87%13.14%13.74%+28 bps
Net Worth / Assets13.46%13.00%12.87%13.14%13.74%+28 bps
Liquidity & Funding
Loans / Shares20.28%17.23%16.61%15.79%16.00%-429 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps