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Ohio Human Services Employees

Columbus, OH · Charter 10089

NCUA · 2 branches

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Ohio Human Services Employees

Columbus, OH · Charter 10089

NCUA · 2 branches

Q3 2022

$11.1MAssets
$3.4MLoans
$10.3MShares
$839KNet 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 -0.30%, up 87 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 1.80% of loans (+48 bps YoY).
  • Capital: net worth / assets of 7.55%, down 50 bps from a year ago.
  • Funding: loans stand at 33.38% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.30%+87 bps YoY

Net Interest Margin (YTD, annualized)

2.01%-16 bps YoY

Efficiency Ratio (YTD, annualized)

111.09%-2,940 bps YoY

Net Worth / Assets

7.55%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-1.17%-1.07%-1.71%-0.33%-0.30%+87 bps
Return on Equity-14.57%-13.96%-23.10%-4.28%-3.96%+1,061 bps
Net Interest Margin2.17%2.11%1.91%1.93%2.01%-16 bps
Efficiency Ratio140.49%138.04%166.64%112.65%111.09%-2,940 bps
Growth
Asset Growth (YoY)3.29%4.96%-1.76%0.00%0.81%-247 bps
Loan Growth (YoY)7.16%-5.81%-9.09%-18.17%-19.62%-2,678 bps
Share Growth (YoY)4.66%6.15%-0.79%0.51%1.67%-298 bps
Asset Quality
Delinquent Loans / Loans1.32%1.29%1.37%1.93%1.80%+48 bps
Net Charge-Offs / Loans22.02%24.18%n/an/an/an/a
Allowance / Loans0.80%0.90%1.03%1.09%0.73%-8 bps
Capital
Risk-Based Capital8.05%7.69%7.39%7.70%7.55%-50 bps
Net Worth / Assets8.05%7.69%7.39%7.70%7.55%-50 bps
Liquidity & Funding
Loans / Shares42.22%39.19%36.68%35.61%33.38%-884 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps