PackageTrendsPeer
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Cincinnati Ohio Firefighters

Cincinnati, OH · Charter 2087

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Cincinnati Ohio Firefighters

Cincinnati, OH · Charter 2087

Q3 2005

$57.9MAssets
$16.7MLoans
$49.5MShares
$8.1MNet 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 0.02%, down 45 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 1.18% of loans (+25 bps YoY).
  • Capital: net worth / assets of 14.07%, up 3 bps from a year ago.
  • Funding: loans stand at 33.77% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.02%-45 bps YoY

Net Interest Margin (YTD, annualized)

2.42%+3 bps YoY

Efficiency Ratio (YTD, annualized)

86.27%+318 bps YoY

Net Worth / Assets

14.07%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.47%0.44%0.35%0.37%0.02%-45 bps
Return on Equity3.32%3.17%2.47%2.59%0.11%-320 bps
Net Interest Margin2.39%2.33%2.29%2.35%2.42%+3 bps
Efficiency Ratio83.09%83.50%81.13%81.60%86.27%+318 bps
Growth
Asset Growth (YoY)-1.65%-2.12%-0.45%0.31%0.56%+220 bps
Loan Growth (YoY)1.14%-0.24%-2.04%-2.44%2.79%+165 bps
Share Growth (YoY)-2.41%-3.02%-1.10%-0.18%0.36%+277 bps
Asset Quality
Delinquent Loans / Loans0.93%1.28%1.15%1.15%1.18%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.30%0.25%0.27%0.95%+65 bps
Capital
Risk-Based Capital14.04%13.99%14.03%14.19%14.07%+3 bps
Net Worth / Assets14.04%13.99%14.03%14.19%14.07%+3 bps
Liquidity & Funding
Loans / Shares32.97%32.07%31.17%31.77%33.77%+80 bps
Liquid Assets / Assets37.58%39.68%36.20%34.75%32.95%-464 bps