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Greater Abyssinia

Cleveland, OH · Charter 13149

Q3 2015

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 2015, the quarter ended September 30, 2015, 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 2026-10-10

Greater Abyssinia

Cleveland, OH · Charter 13149

Q3 2015

$413KAssets
$156KLoans
$362KShares
$50KNet 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 -6.39%, up 53 bps year over year; NIM at 1.70%.
  • Asset quality: problem loans at 28.46% of loans (-1,628 bps YoY).
  • Capital: net worth / assets of 12.12%, down 984 bps from a year ago.
  • Funding: loans stand at 43.17% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-6.39%+53 bps YoY

Net Interest Margin (YTD, annualized)

1.70%+93 bps YoY

Efficiency Ratio (YTD, annualized)

476%-52,732 bps YoY

Net Worth / Assets

12.12%-984 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-6.91%-6.22%-7.13%-7.15%-6.39%+53 bps
Return on Equity-31.48%-28.32%-56.92%-57.00%-52.69%-2,122 bps
Net Interest Margin0.77%1.42%1.16%1.58%1.70%+93 bps
Efficiency Ratio1003%487%717%552%476%-52,732 bps
Growth
Asset Growth (YoY)-18.81%-20.01%-23.68%-23.96%-26.91%-810 bps
Loan Growth (YoY)1.29%-4.27%-13.43%-10.55%-16.78%-1,807 bps
Share Growth (YoY)-11.14%-13.53%-14.65%-14.09%-17.97%-683 bps
Asset Quality
Delinquent Loans / Loans44.73%39.03%36.69%26.01%28.46%-1,628 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.99%3.51%3.74%3.64%3.85%+86 bps
Capital
Risk-Based Capital21.95%21.97%12.52%12.53%12.12%-984 bps
Net Worth / Assets21.95%21.97%12.52%12.53%12.12%-984 bps
Liquidity & Funding
Loans / Shares42.55%40.35%36.92%42.81%43.17%+62 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps