PackageTrendsPeer
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S.V.H.

Sewickley, PA · Charter 63714

NCUA · 2 branches

Q3 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: Q3 2022, the quarter ended September 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

S.V.H.

Sewickley, PA · Charter 63714

NCUA · 2 branches

Q3 2022

$26.2MAssets
$3.4MLoans
$23.1MShares
$3.1MNet 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 -0.94%, down 39 bps year over year; NIM at 1.20%.
  • Asset quality: problem loans at 0.71% of loans (+9 bps YoY).
  • Capital: net worth / assets of 11.72%, down 36 bps from a year ago.
  • Funding: loans stand at 14.65% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.94%-39 bps YoY

Net Interest Margin (YTD, annualized)

1.20%0 bps YoY

Efficiency Ratio (YTD, annualized)

153.00%+2,300 bps YoY

Net Worth / Assets

11.72%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.55%-0.42%-0.85%-0.98%-0.94%-39 bps
Return on Equity-4.56%-3.40%-7.10%-8.22%-7.98%-342 bps
Net Interest Margin1.20%1.17%0.88%0.97%1.20%0 bps
Efficiency Ratio130.00%127.11%164.31%162.17%153.00%+2,300 bps
Growth
Asset Growth (YoY)4.45%0.68%-1.55%-4.83%-2.75%-719 bps
Loan Growth (YoY)-15.33%-17.95%-10.93%-4.51%-1.13%+1,421 bps
Share Growth (YoY)5.10%1.34%-1.63%-4.76%-1.68%-677 bps
Asset Quality
Delinquent Loans / Loans0.62%0.61%1.42%1.52%0.71%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.51%1.06%1.00%1.01%0.99%-53 bps
Capital
Risk-Based Capital12.08%12.36%12.00%11.96%11.72%-36 bps
Net Worth / Assets12.08%12.36%12.00%11.96%11.72%-36 bps
Liquidity & Funding
Loans / Shares14.57%14.32%13.85%14.19%14.65%+8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps