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St. Helen

Dayton, OH · Charter 10900

NCUA · 1 branch

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

St. Helen

Dayton, OH · Charter 10900

NCUA · 1 branch

Q2 2018

$2.9MAssets
$1.0MLoans
$2.7MShares
$198KNet 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 -1.85%, down 103 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 1.60% of loans (-109 bps YoY).
  • Capital: net worth / assets of 6.93%, down 112 bps from a year ago.
  • Funding: loans stand at 38.79% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.85%-103 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+47 bps YoY

Efficiency Ratio (YTD, annualized)

113.14%-320 bps YoY

Net Worth / Assets

6.93%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-0.82%-0.63%-0.66%-2.45%-1.85%-103 bps
Return on Equity-10.13%-8.14%-8.58%-34.31%-26.65%-1,651 bps
Net Interest Margin2.33%2.36%2.38%2.73%2.80%+47 bps
Efficiency Ratio116.33%111.09%109.99%114.00%113.14%-320 bps
Growth
Asset Growth (YoY)9.08%9.98%15.41%10.02%-0.76%-985 bps
Loan Growth (YoY)0.38%-5.81%-4.21%0.34%-5.56%-593 bps
Share Growth (YoY)11.14%11.92%17.90%12.33%0.45%-1,069 bps
Asset Quality
Delinquent Loans / Loans2.69%3.19%3.56%2.96%1.60%-109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.61%1.70%0.80%0.73%1.04%-58 bps
Capital
Risk-Based Capital8.05%7.80%7.67%7.14%6.93%-112 bps
Net Worth / Assets8.05%7.80%7.67%7.14%6.93%-112 bps
Liquidity & Funding
Loans / Shares41.25%38.42%39.14%39.21%38.79%-247 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps