PackageTrendsPeer
Letter portraitLegal landscape

Struthers

Struthers, OH · Charter 13531

NCUA · 1 branch

Q1 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: Q1 2022, the quarter ended March 31, 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

Struthers

Struthers, OH · Charter 13531

NCUA · 1 branch

Q1 2022

$28.6MAssets
$6.2MLoans
$26.6MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, up 58 bps year over year; NIM at 1.57%.
  • Asset quality: problem loans at 0.67% of loans (+25 bps YoY).
  • Capital: net worth / assets of 6.64%, down 15 bps from a year ago.
  • Funding: loans stand at 23.37% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

0.66%+58 bps YoY

Net Interest Margin (YTD, annualized)

1.57%-55 bps YoY

Efficiency Ratio (YTD, annualized)

64.60%-2,886 bps YoY

Net Worth / Assets

6.64%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.32%0.31%0.26%0.08%-0.06%-0.14%-0.09%0.66%+58 bps
Return on Equity4.20%4.00%3.54%1.19%-0.92%-2.06%-1.44%9.92%+874 bps
Net Interest Margin2.89%2.83%2.65%2.12%2.07%2.02%1.90%1.57%-55 bps
Efficiency Ratio90.51%90.66%90.56%93.46%94.63%99.14%98.59%64.60%-2,886 bps
Growth
Asset Growth (YoY)12.31%14.19%18.85%26.49%15.27%14.31%10.89%3.09%-2,339 bps
Loan Growth (YoY)-4.61%-5.96%-4.91%-6.28%-8.39%-11.61%-21.79%-22.08%-1,581 bps
Share Growth (YoY)12.78%15.26%20.30%28.72%16.46%15.53%11.85%3.20%-2,552 bps
Asset Quality
Delinquent Loans / Loans0.41%0.84%0.77%0.42%0.37%0.51%1.26%0.67%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.88%0.86%0.85%0.87%0.82%0.84%0.88%0.98%+11 bps
Capital
Risk-Based Capital7.64%7.68%7.37%6.79%6.69%6.65%6.55%6.64%-15 bps
Net Worth / Assets7.64%7.68%7.37%6.79%6.69%6.65%6.55%6.64%-15 bps
Liquidity & Funding
Loans / Shares37.00%36.49%35.36%30.96%29.10%27.92%24.73%23.37%-759 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps