PackageTrendsPeer
Letter portraitLegal landscape

W C F and M Employees

Bellaire, OH · Charter 17016

Q2 1995

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: Q2 1995, the quarter ended June 30, 1995, 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

W C F and M Employees

Bellaire, OH · Charter 17016

Q2 1995

$25KAssets
$25KLoans
$18KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 9.83%.
  • Asset quality: problem loans at 16.75% of loans.
  • Funding: loans stand at 135.13% of shares as of Q2 1995.

Return on Assets (YTD, annualized)

9.83%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995YoY ΔTrend
Earnings
Return on Assets7.89%3.88%9.83%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans16.18%19.99%16.75%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans7.63%10.89%10.88%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares102.85%110.85%135.13%n/a
Liquid Assets / Assets11.26%12.60%14.81%n/a