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St. Elizabeth

Northampton, PA · Charter 65477

NCUA · 1 branch

Q1 2024

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 2024, the quarter ended March 31, 2024, 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 2026-10-10

St. Elizabeth

Northampton, PA · Charter 65477

NCUA · 1 branch

Q1 2024

$9.6MAssets
$953KLoans
$7.3MShares
$2.3MNet 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 -8.48%, down 892 bps year over year; NIM at -1.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.28%, up 159 bps from a year ago.
  • Funding: loans stand at 13.02% of shares as of Q1 2024.

Financial Results

Return on Assets (YTD, annualized)

-8.48%-892 bps YoY

Net Interest Margin (YTD, annualized)

-1.31%-314 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

24.28%+159 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets0.43%0.83%1.18%1.53%-8.48%-892 bps
Return on Equity1.90%3.55%4.81%6.01%-34.94%-3,684 bps
Net Interest Margin1.83%2.29%2.77%3.17%-1.31%-314 bps
Efficiency Ratio78.46%65.81%59.57%54.05%n/an/a
Growth
Asset Growth (YoY)-3.26%-5.05%-6.23%-6.37%-9.62%-636 bps
Loan Growth (YoY)9.82%-2.33%5.86%-3.40%-13.47%-2,329 bps
Share Growth (YoY)-4.62%-7.24%-9.43%-10.42%-11.49%-687 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.69%23.39%24.55%25.41%24.28%+159 bps
Net Worth / Assets22.69%23.39%24.55%25.41%24.28%+159 bps
Liquidity & Funding
Loans / Shares13.31%12.97%15.02%14.53%13.02%-30 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps