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Corco

Delaware, OH · Charter 12907

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Corco

Delaware, OH · Charter 12907

NCUA

Q1 2016

$542KAssets
$254KLoans
$492KShares
$49KNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 852 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.69% of loans (+69 bps YoY).
  • Capital: net worth / assets of 9.11%, up 108 bps from a year ago.
  • Funding: loans stand at 51.62% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

0.88%+852 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+43 bps YoY

Efficiency Ratio (YTD, annualized)

78.47%-2,440 bps YoY

Net Worth / Assets

9.11%+108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.40%0.01%0.08%-7.63%-4.38%-2.45%-1.87%0.88%+852 bps
Return on Equity-4.49%0.07%0.92%-95.05%-53.84%-31.57%-22.00%9.67%+10,472 bps
Net Interest Margin3.25%3.25%3.20%3.35%3.23%3.07%3.43%3.78%+43 bps
Efficiency Ratio107.98%97.40%95.72%102.87%113.34%100.78%97.50%78.47%-2,440 bps
Growth
Asset Growth (YoY)0.22%0.32%-1.75%-10.46%-11.25%-4.14%-11.20%-8.40%+206 bps
Loan Growth (YoY)-14.35%-10.42%-13.97%-19.89%-5.82%1.53%1.97%1.64%+2,154 bps
Share Growth (YoY)2.89%2.08%-1.92%-9.96%-11.11%-2.49%-10.26%-9.09%+86 bps
Asset Quality
Delinquent Loans / Loans2.15%1.88%1.87%0.00%0.00%0.00%0.65%0.69%+69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.85%2.02%2.23%2.40%2.27%2.19%2.45%2.65%+24 bps
Capital
Risk-Based Capital8.88%9.10%9.18%8.03%8.14%7.74%8.48%9.11%+108 bps
Net Worth / Assets8.88%9.10%9.18%8.03%8.14%7.74%8.48%9.11%+108 bps
Liquidity & Funding
Loans / Shares51.02%49.58%45.63%46.17%54.05%51.62%51.85%51.62%+545 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps