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Bacharach Employees

Pittsburgh, PA · Charter 5985

NCUA · 1 branch

Q1 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: Q1 2021, the quarter ended March 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

Bacharach Employees

Pittsburgh, PA · Charter 5985

NCUA · 1 branch

Q1 2021

$149KAssets
$33KLoans
$126KShares
$22KNet 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 -9.90%, up 3,083 bps year over year; NIM at 0.85%.
  • Asset quality: problem loans at 0.00% of loans (-2,672 bps YoY).
  • Capital: net worth / assets of 14.75%, down 1,062 bps from a year ago.
  • Funding: loans stand at 26.33% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-9.90%+3,083 bps YoY

Net Interest Margin (YTD, annualized)

0.85%-187 bps YoY

Efficiency Ratio (YTD, annualized)

1267%+72,409 bps YoY

Net Worth / Assets

14.75%-1,062 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets-40.73%-20.47%-16.59%-14.67%-9.90%+3,083 bps
Return on Equity-160.57%-91.80%-83.28%-82.79%-67.14%+9,343 bps
Net Interest Margin2.72%1.92%1.70%1.56%0.85%-187 bps
Efficiency Ratio543%760%772%795%1267%+72,409 bps
Growth
Asset Growth (YoY)-22.52%-16.49%-16.16%-8.13%14.17%+3,669 bps
Loan Growth (YoY)-33.38%-37.75%-48.71%-49.87%-43.11%-973 bps
Share Growth (YoY)-14.04%-6.64%-5.09%7.16%29.27%+4,331 bps
Asset Quality
Delinquent Loans / Loans26.72%28.29%31.96%0.00%0.00%-2,672 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.50%1.01%1.17%1.30%1.50%0 bps
Capital
Risk-Based Capital25.36%22.30%19.92%17.72%14.75%-1,062 bps
Net Worth / Assets25.36%22.30%19.92%17.72%14.75%-1,062 bps
Liquidity & Funding
Loans / Shares59.83%44.00%36.79%32.34%26.33%-3,350 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps