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Allegheny Metal

Leechburg, PA · Charter 4566

NCUA · 1 branch

Q2 2022

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 2022, the quarter ended June 30, 2022, 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

Allegheny Metal

Leechburg, PA · Charter 4566

NCUA · 1 branch

Q2 2022

$14.7MAssets
$5.1MLoans
$12.3MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.20%, down 43 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 0.20% of loans (-19 bps YoY).
  • Capital: net worth / assets of 16.59%, up 12 bps from a year ago.
  • Funding: loans stand at 41.66% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

-0.20%-43 bps YoY

Net Interest Margin (YTD, annualized)

1.66%-10 bps YoY

Efficiency Ratio (YTD, annualized)

110.99%+2,377 bps YoY

Net Worth / Assets

16.59%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.78%0.70%0.16%0.23%0.26%0.23%-0.14%-0.20%-43 bps
Return on Equity4.57%4.11%0.97%1.41%1.59%1.39%-0.85%-1.22%-263 bps
Net Interest Margin2.56%2.48%1.78%1.76%1.72%1.68%1.54%1.66%-10 bps
Efficiency Ratio68.19%71.01%91.25%87.22%86.05%87.48%108.71%110.99%+2,377 bps
Growth
Asset Growth (YoY)6.14%6.48%8.58%5.35%5.34%5.24%1.02%-0.72%-607 bps
Loan Growth (YoY)-2.73%-7.99%-11.81%-13.19%-18.85%-18.18%-14.48%-9.86%+332 bps
Share Growth (YoY)6.90%6.95%9.82%5.96%6.09%5.99%1.05%-0.79%-675 bps
Asset Quality
Delinquent Loans / Loans0.29%0.15%0.61%0.39%0.18%0.24%0.23%0.20%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.34%1.50%1.56%1.56%1.70%1.70%1.70%1.70%+14 bps
Capital
Risk-Based Capital17.06%16.94%16.57%16.47%16.51%16.31%16.55%16.59%+12 bps
Net Worth / Assets17.06%16.94%16.57%16.47%16.51%16.31%16.55%16.59%+12 bps
Liquidity & Funding
Loans / Shares54.65%52.10%48.66%45.85%41.80%40.22%41.19%41.66%-419 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps