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Wittenberg University

Springfield, OH · Charter 14444

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Wittenberg University

Springfield, OH · Charter 14444

Q3 2014

$3.1MAssets
$1.4MLoans
$3.0MShares
$113KNet 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 -6.18%, down 413 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 8.29% of loans (-229 bps YoY).
  • Capital: net worth / assets of 3.64%, down 533 bps from a year ago.
  • Funding: loans stand at 47.46% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-6.18%-413 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-5 bps YoY

Efficiency Ratio (YTD, annualized)

132.76%+3,345 bps YoY

Net Worth / Assets

3.64%-533 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-2.05%-3.07%-4.05%-8.11%-6.18%-413 bps
Return on Equity-22.83%-44.73%-70.34%-257%-169.58%-14,675 bps
Net Interest Margin3.70%3.45%3.28%3.26%3.65%-5 bps
Efficiency Ratio99.30%99.02%98.11%148.84%132.76%+3,345 bps
Growth
Asset Growth (YoY)-14.21%-8.32%-12.56%-17.82%-12.24%+196 bps
Loan Growth (YoY)-15.18%-11.27%-14.10%-13.17%-5.66%+951 bps
Share Growth (YoY)-14.02%-6.06%-9.89%-14.02%-7.89%+613 bps
Asset Quality
Delinquent Loans / Loans10.58%9.40%10.82%8.50%8.29%-229 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.18%4.16%5.24%5.86%4.28%+310 bps
Capital
Risk-Based Capital8.97%6.85%5.76%3.16%3.64%-533 bps
Net Worth / Assets8.97%6.85%5.76%3.16%3.64%-533 bps
Liquidity & Funding
Loans / Shares46.34%43.66%39.71%40.17%47.46%+112 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps