PackageTrendsPeer
Letter portraitLegal landscape

Michael Baker Jr

Corapolis, PA · Charter 9147

NCUA · 1 branch

Q3 2020

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 2020, the quarter ended September 30, 2020, 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

Michael Baker Jr

Corapolis, PA · Charter 9147

NCUA · 1 branch

Q3 2020

$7.9MAssets
$3.9MLoans
$6.4MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.34%, down 115 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.52% of loans (-85 bps YoY).
  • Capital: net worth / assets of 18.19%, up 51 bps from a year ago.
  • Funding: loans stand at 60.61% of shares as of Q3 2020.

Return on Assets (YTD, annualized)

-0.34%-115 bps YoY

Net Interest Margin (YTD, annualized)

2.55%-42 bps YoY

Efficiency Ratio (YTD, annualized)

95.22%+3,359 bps YoY

Net Worth / Assets

18.19%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.65%1.15%0.65%0.81%0.92%0.14%0.09%-0.34%-115 bps
Return on Equity3.68%6.48%3.59%4.58%4.84%0.72%0.51%-1.86%-645 bps
Net Interest Margin2.91%3.15%3.11%2.97%3.09%2.89%2.65%2.55%-42 bps
Efficiency Ratio72.58%64.14%62.60%61.63%62.38%64.65%79.72%95.22%+3,359 bps
Growth
Asset Growth (YoY)-1.57%-4.49%-5.64%-1.73%-1.64%-3.11%1.06%-2.71%-99 bps
Loan Growth (YoY)2.21%10.29%9.44%8.11%7.72%1.91%-8.79%-16.57%-2,469 bps
Share Growth (YoY)-2.74%-6.36%-7.54%-3.06%-3.00%-4.54%0.53%-3.51%-45 bps
Asset Quality
Delinquent Loans / Loans1.53%1.21%1.25%1.37%1.97%1.86%3.41%0.52%-85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.34%0.47%0.53%0.48%0.60%0.64%0.06%-48 bps
Capital
Risk-Based Capital17.78%17.74%18.05%17.69%18.99%18.96%18.48%18.19%+51 bps
Net Worth / Assets17.78%17.74%18.05%17.69%18.99%18.96%18.48%18.19%+51 bps
Liquidity & Funding
Loans / Shares69.28%68.53%73.35%70.11%76.94%73.16%66.55%60.61%-949 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps