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Ball State

Muncie, IN · Charter 11103

NCUA · 2 branches

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

Ball State

Muncie, IN · Charter 11103

NCUA · 2 branches

Q3 2020

$100.4MAssets
$58.4MLoans
$94.1MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of -0.05%, up 85 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.61% of loans (-108 bps YoY), with net charge-offs at 0.16%.
  • Capital: net worth / assets of 5.64%, down 69 bps from a year ago.
  • Funding: loans stand at 62.10% of shares as of Q3 2020.

Return on Assets (YTD, annualized)

-0.05%+85 bps YoY

Net Interest Margin (YTD, annualized)

2.70%-84 bps YoY

Efficiency Ratio (YTD, annualized)

100.37%+791 bps YoY

Net Worth / Assets

5.64%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets-0.52%-0.10%-1.42%-0.90%-0.64%0.05%-0.11%-0.05%+85 bps
Return on Equity-7.71%-1.58%-23.20%-14.16%-10.14%0.79%-2.04%-0.83%+1,333 bps
Net Interest Margin3.52%3.40%3.50%3.54%3.48%3.02%2.73%2.70%-84 bps
Efficiency Ratio96.53%92.67%93.78%92.45%92.55%95.63%100.71%100.37%+791 bps
Growth
Asset Growth (YoY)-2.71%-2.59%-3.02%-5.50%-2.76%-0.64%9.36%12.03%+1,753 bps
Loan Growth (YoY)0.33%1.40%-2.38%-4.56%-10.24%-12.08%-9.72%-5.59%-103 bps
Share Growth (YoY)-2.25%-2.45%-2.45%-5.10%-2.12%0.18%10.32%13.18%+1,828 bps
Asset Quality
Delinquent Loans / Loans1.97%1.56%1.20%1.69%1.60%1.03%0.66%0.61%-108 bps
Net Charge-Offs / Loans0.30%0.28%0.26%0.24%0.23%0.20%0.17%0.16%-8 bps
Allowance / Loans0.68%0.69%1.14%1.00%1.03%0.98%0.90%0.89%-11 bps
Capital
Risk-Based Capital6.80%6.54%6.11%6.32%6.34%6.01%5.60%5.64%-69 bps
Net Worth / Assets6.80%6.54%6.11%6.32%6.34%6.01%5.60%5.64%-69 bps
Liquidity & Funding
Loans / Shares77.31%73.88%74.42%74.44%70.90%64.84%60.90%62.10%-1,234 bps
Liquid Assets / Assets0.00%97.69%0.00%0.00%0.00%0.00%0.00%0.00%0 bps