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Saint Norbert's

Pittsburgh, PA · Charter 65564

NCUA · 1 branch

Q3 2025

$313KAssets
$11KLoans
$208KShares
$104KNet 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 -0.42%, up 43 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 4.16% of loans (+416 bps YoY).
  • Capital: net worth / assets of 33.27%, up 277 bps from a year ago.
  • Funding: loans stand at 5.44% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.42%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+100 bps YoY

Efficiency Ratio (YTD, annualized)

113.24%-2,602 bps YoY

Net Worth / Assets

33.27%+277 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-0.84%-1.02%1.64%-0.68%-0.42%+43 bps
Return on Equity-2.76%-3.39%4.89%-2.04%-1.25%+151 bps
Net Interest Margin2.14%2.53%3.72%4.15%3.14%+100 bps
Efficiency Ratio139.26%140.38%55.90%116.33%113.24%-2,602 bps
Growth
Asset Growth (YoY)-18.77%-18.99%-18.26%-17.18%-9.57%+919 bps
Loan Growth (YoY)-34.32%-31.99%-46.95%-48.57%-43.90%-957 bps
Share Growth (YoY)-24.17%-24.33%-24.89%-23.11%-13.38%+1,079 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%3.70%4.16%+416 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans49.52%55.69%70.07%78.60%88.27%+3,875 bps
Capital
Risk-Based Capital30.50%30.16%33.53%33.28%33.27%+277 bps
Net Worth / Assets30.50%30.16%33.53%33.28%33.27%+277 bps
Liquidity & Funding
Loans / Shares8.40%7.48%6.85%6.11%5.44%-296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps