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Maryland Steelworkers

Baltimore, MD · Charter 66367

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Maryland Steelworkers

Baltimore, MD · Charter 66367

Q4 2013

$26.4MAssets
$8.6MLoans
$23.8MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of -2.47%, down 220 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 1.03% of loans (-239 bps YoY).
  • Capital: net worth / assets of 12.50%, up 10 bps from a year ago.
  • Funding: loans stand at 35.93% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-2.47%-220 bps YoY

Net Interest Margin (YTD, annualized)

2.37%-21 bps YoY

Efficiency Ratio (YTD, annualized)

134.13%+2,342 bps YoY

Net Worth / Assets

12.50%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.03%0.03%0.10%-0.27%-1.30%-1.00%-2.58%-2.47%-220 bps
Return on Equity0.26%0.25%0.82%-2.21%-10.28%-7.68%-20.47%-19.79%-1,758 bps
Net Interest Margin2.66%2.58%2.62%2.57%2.06%2.20%2.36%2.37%-21 bps
Efficiency Ratio108.39%103.58%106.01%110.72%133.86%125.12%126.58%134.13%+2,342 bps
Growth
Asset Growth (YoY)2.48%1.37%-8.22%-9.41%-13.27%-16.25%-17.08%-16.47%-706 bps
Loan Growth (YoY)-6.26%-5.13%-6.39%-9.28%-11.48%-10.33%-13.31%12.74%+2,202 bps
Share Growth (YoY)2.58%1.74%-8.96%-10.16%-14.52%-16.22%-15.27%-13.78%-362 bps
Asset Quality
Delinquent Loans / Loans1.14%1.07%1.82%3.42%3.10%3.07%0.85%1.03%-239 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.44%2.15%1.62%1.43%1.51%1.41%3.74%3.14%+171 bps
Capital
Risk-Based Capital11.47%11.57%12.39%12.41%12.61%13.00%12.60%12.50%+10 bps
Net Worth / Assets11.47%11.57%12.39%12.41%12.61%13.00%12.60%12.50%+10 bps
Liquidity & Funding
Loans / Shares26.53%26.50%27.50%27.48%27.47%28.37%28.13%35.93%+845 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps