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Consol Employees

Pittsburgh, PA · Charter 67250

NCUA · 1 branch

Q1 2019

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 2019, the quarter ended March 31, 2019, 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

Consol Employees

Pittsburgh, PA · Charter 67250

NCUA · 1 branch

Q1 2019

$13.0MAssets
$2.5MLoans
$10.7MShares
$2.1MNet Worth

Executive Summary

  • Earnings: ROA of -1.06%, down 103 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.49% of loans (-76 bps YoY).
  • Capital: net worth / assets of 16.31%, up 21 bps from a year ago.
  • Funding: loans stand at 23.52% of shares as of Q1 2019.

Return on Assets (YTD, annualized)

-1.06%-103 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-245 bps YoY

Efficiency Ratio (YTD, annualized)

135.07%+3,454 bps YoY

Net Worth / Assets

16.31%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-0.10%-0.03%-0.03%-0.03%-0.09%-0.08%-0.30%-1.06%-103 bps
Return on Equity-0.66%-0.19%-0.21%-0.18%-0.57%-0.48%-1.79%-6.48%-630 bps
Net Interest Margin2.11%2.16%2.35%5.14%2.45%2.52%2.65%2.69%-245 bps
Efficiency Ratio103.79%100.53%99.01%100.53%102.21%102.00%107.80%135.07%+3,454 bps
Growth
Asset Growth (YoY)-7.97%-3.78%-3.62%-8.24%-5.75%-6.95%-4.70%-4.51%+373 bps
Loan Growth (YoY)-0.29%-5.09%-10.16%-6.46%-7.27%-7.19%-7.27%-9.11%-265 bps
Share Growth (YoY)-8.92%-4.13%-4.59%-10.43%-7.43%-8.75%-5.79%-4.99%+544 bps
Asset Quality
Delinquent Loans / Loans0.97%0.41%1.16%1.25%1.16%0.44%0.27%0.49%-76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.21%1.17%1.29%1.57%1.39%1.41%1.45%1.52%-5 bps
Capital
Risk-Based Capital15.55%15.40%16.48%16.10%16.48%16.48%16.99%16.31%+21 bps
Net Worth / Assets15.55%15.40%16.48%16.10%16.48%16.48%16.99%16.31%+21 bps
Liquidity & Funding
Loans / Shares25.90%24.38%25.42%24.58%25.95%24.79%25.02%23.52%-106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps