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Saint Margaret & Gregory

South Euclid, OH · Charter 5089

NCUA · 1 branch

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

Saint Margaret & Gregory

South Euclid, OH · Charter 5089

NCUA · 1 branch

Q2 2023

$14.7MAssets
$8.8MLoans
$13.2MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.23%, up 26 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 1.27% of loans (+38 bps YoY).
  • Capital: net worth / assets of 9.52%, up 46 bps from a year ago.
  • Funding: loans stand at 66.53% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.23%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+57 bps YoY

Efficiency Ratio (YTD, annualized)

88.48%-994 bps YoY

Net Worth / Assets

9.52%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.11%0.09%0.43%-0.03%0.03%-0.30%0.28%0.23%+26 bps
Return on Equity1.10%0.92%4.64%-0.30%0.30%-3.37%3.00%2.45%+275 bps
Net Interest Margin2.36%2.32%2.53%2.12%2.10%2.19%2.61%2.69%+57 bps
Efficiency Ratio92.73%93.92%83.10%98.42%94.06%94.42%86.85%88.48%-994 bps
Growth
Asset Growth (YoY)4.33%3.58%2.06%4.07%9.19%5.21%1.49%-3.22%-729 bps
Loan Growth (YoY)-1.95%-4.17%-2.87%-0.96%10.80%18.15%25.70%21.77%+2,273 bps
Share Growth (YoY)4.99%4.10%2.24%4.55%10.24%5.77%1.60%-3.69%-824 bps
Asset Quality
Delinquent Loans / Loans0.39%0.62%0.13%0.89%0.52%0.90%0.86%1.27%+38 bps
Net Charge-Offs / Loans12.39%12.94%n/an/an/an/an/an/an/a
Allowance / Loans1.20%1.24%1.23%0.96%0.97%0.00%0.00%0.00%-96 bps
Capital
Risk-Based Capital9.61%9.47%9.35%9.06%8.82%9.03%9.30%9.52%+46 bps
Net Worth / Assets9.61%9.47%9.35%9.06%8.82%9.03%9.30%9.52%+46 bps
Liquidity & Funding
Loans / Shares56.36%54.04%52.20%52.62%56.64%60.37%64.58%66.53%+1,391 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps