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General Portland Peninsular Emps.

Paulding, OH · Charter 20995

NCUA · 3 branches

Q4 2020

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: Q4 2020, the quarter ended December 31, 2020, 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

General Portland Peninsular Emps.

Paulding, OH · Charter 20995

NCUA · 3 branches

Q4 2020

$391KAssets
$233KLoans
$306KShares
$85KNet 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 -1.20%, down 120 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 1.36% of loans (+31 bps YoY).
  • Capital: net worth / assets of 21.76%, up 31 bps from a year ago.
  • Funding: loans stand at 76.13% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-1.20%-120 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-90 bps YoY

Efficiency Ratio (YTD, annualized)

134.84%+3,486 bps YoY

Net Worth / Assets

21.76%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.00%-2.16%-0.77%-0.52%-1.20%-120 bps
Return on Equity0.00%-10.44%-3.64%-2.43%-5.49%-550 bps
Net Interest Margin4.11%2.15%3.22%3.42%3.20%-90 bps
Efficiency Ratio99.98%189.06%122.53%114.20%134.84%+3,486 bps
Growth
Asset Growth (YoY)-11.08%-9.84%-11.22%-5.73%-6.55%+453 bps
Loan Growth (YoY)18.47%8.58%2.74%-8.37%-9.73%-2,819 bps
Share Growth (YoY)-13.68%-11.65%-13.44%-6.82%-6.92%+675 bps
Asset Quality
Delinquent Loans / Loans1.04%0.94%1.94%3.40%1.36%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%1.19%1.29%1.24%1.34%+13 bps
Capital
Risk-Based Capital21.46%20.73%21.22%21.38%21.76%+31 bps
Net Worth / Assets21.46%20.73%21.22%21.38%21.76%+31 bps
Liquidity & Funding
Loans / Shares78.50%78.23%73.56%77.66%76.13%-237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps