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Fairview Health System

Cleveland, OH · Charter 13615

NCUA · 2 branches

Q3 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: Q3 2022, the quarter ended September 30, 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

Fairview Health System

Cleveland, OH · Charter 13615

NCUA · 2 branches

Q3 2022

$15.6MAssets
$3.6MLoans
$12.9MShares
$1.8MNet 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 -1.16%, down 44 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 1.50% of loans (+117 bps YoY).
  • Capital: net worth / assets of 11.85%, up 11 bps from a year ago.
  • Funding: loans stand at 27.89% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.16%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.23%+27 bps YoY

Efficiency Ratio (YTD, annualized)

131.22%+702 bps YoY

Net Worth / Assets

11.85%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.72%-0.65%-0.45%-0.91%-1.16%-44 bps
Return on Equity-6.13%-5.43%-3.92%-7.93%-9.81%-368 bps
Net Interest Margin1.97%2.01%1.97%2.07%2.23%+27 bps
Efficiency Ratio124.21%121.20%113.32%128.18%131.22%+702 bps
Growth
Asset Growth (YoY)4.76%1.20%-1.70%-4.61%-8.08%-1,284 bps
Loan Growth (YoY)-19.66%-13.64%-12.38%-10.98%-4.87%+1,479 bps
Share Growth (YoY)6.36%2.26%-1.31%-4.64%-13.48%-1,984 bps
Asset Quality
Delinquent Loans / Loans0.33%0.22%0.70%0.28%1.50%+117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.66%1.50%1.57%1.57%1.71%+5 bps
Capital
Risk-Based Capital11.74%11.95%11.60%11.51%11.85%+11 bps
Net Worth / Assets11.74%11.95%11.60%11.51%11.85%+11 bps
Liquidity & Funding
Loans / Shares25.37%26.54%23.65%23.51%27.89%+253 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps