PackageTrendsPeer
Letter portraitLegal landscape

U A P Employees

Forest, OH · Charter 14967

NCUA · 1 branch

Q1 2021

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 2021, the quarter ended March 31, 2021, 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

U A P Employees

Forest, OH · Charter 14967

NCUA · 1 branch

Q1 2021

$988KAssets
$91KLoans
$881KShares
$101KNet 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 -1.98%, down 142 bps year over year; NIM at 0.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.17%, down 31 bps from a year ago.
  • Funding: loans stand at 10.33% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.98%-142 bps YoY

Net Interest Margin (YTD, annualized)

0.85%-164 bps YoY

Efficiency Ratio (YTD, annualized)

321%+19,069 bps YoY

Net Worth / Assets

10.17%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets-0.55%0.50%-0.14%-0.13%-1.98%-142 bps
Return on Equity-5.29%4.64%-1.29%-1.29%-19.45%-1,416 bps
Net Interest Margin2.49%2.27%1.96%1.83%0.85%-164 bps
Efficiency Ratio130.28%122.84%145.39%138.54%321%+19,069 bps
Growth
Asset Growth (YoY)-4.13%-8.94%-0.58%4.38%-1.67%+246 bps
Loan Growth (YoY)-24.24%-34.88%-43.56%-53.03%-55.42%-3,118 bps
Share Growth (YoY)-5.78%-10.73%-1.07%4.55%-1.64%+414 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.79%0.63%0.48%0.26%0.32%-248 bps
Capital
Risk-Based Capital10.48%10.71%10.84%10.41%10.17%-31 bps
Net Worth / Assets10.48%10.71%10.84%10.41%10.17%-31 bps
Liquidity & Funding
Loans / Shares22.79%17.46%14.72%12.18%10.33%-1,246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps