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Brook Park Municipal Employees

Middleburg Hts, OH · Charter 19144

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Brook Park Municipal Employees

Middleburg Hts, OH · Charter 19144

Q3 2011

$1.1MAssets
$799KLoans
$982KShares
$81KNet 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 -8.53%, down 1,022 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 7.15% of loans (+649 bps YoY).
  • Capital: net worth / assets of 7.59%, down 430 bps from a year ago.
  • Funding: loans stand at 81.35% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-8.53%-1,022 bps YoY

Net Interest Margin (YTD, annualized)

5.10%+25 bps YoY

Efficiency Ratio (YTD, annualized)

75.76%+2,340 bps YoY

Net Worth / Assets

7.59%-430 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.69%1.05%0.96%0.86%-8.53%-1,022 bps
Return on Equity14.20%8.50%7.58%6.53%-112.50%-12,670 bps
Net Interest Margin4.85%4.78%4.73%4.77%5.10%+25 bps
Efficiency Ratio52.36%57.49%60.27%61.89%75.76%+2,340 bps
Growth
Asset Growth (YoY)4.11%-0.42%-0.81%-1.36%-9.48%-1,359 bps
Loan Growth (YoY)-8.26%-10.25%-17.50%-13.37%-18.98%-1,072 bps
Share Growth (YoY)11.34%3.47%2.24%-3.60%-4.93%-1,627 bps
Asset Quality
Delinquent Loans / Loans0.66%4.76%1.45%1.47%7.15%+649 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.49%3.02%3.52%4.02%12.97%+1,048 bps
Capital
Risk-Based Capital11.89%12.37%12.62%13.22%7.59%-430 bps
Net Worth / Assets11.89%12.37%12.62%13.22%7.59%-430 bps
Liquidity & Funding
Loans / Shares95.46%90.74%85.95%85.76%81.35%-1,411 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps