PackageTrendsPeer
Letter portraitLegal landscape

R.S.C. Yo/C1 Offices

Youngstown, OH · Charter 2181

NCUA · 1 branch

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

R.S.C. Yo/C1 Offices

Youngstown, OH · Charter 2181

NCUA · 1 branch

Q4 2020

$3.8MAssets
$1.0MLoans
$3.0MShares
$758KNet 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 -1.70%, down 181 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 2.87% of loans (+149 bps YoY).
  • Capital: net worth / assets of 20.04%, up 50 bps from a year ago.
  • Funding: loans stand at 33.37% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-1.70%-181 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-51 bps YoY

Efficiency Ratio (YTD, annualized)

121.27%+3,493 bps YoY

Net Worth / Assets

20.04%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.11%0.06%0.13%-0.36%-1.70%-181 bps
Return on Equity0.54%0.28%0.61%-1.80%-8.50%-905 bps
Net Interest Margin2.12%1.91%2.05%1.52%1.61%-51 bps
Efficiency Ratio86.34%96.96%90.30%120.64%121.27%+3,493 bps
Growth
Asset Growth (YoY)-23.81%-21.07%-8.35%-7.80%-10.15%+1,366 bps
Loan Growth (YoY)1.12%-5.18%-18.65%-34.32%-41.85%-4,297 bps
Share Growth (YoY)-28.13%-25.28%-10.38%-9.66%-10.54%+1,759 bps
Asset Quality
Delinquent Loans / Loans1.39%2.50%4.49%6.33%2.87%+149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%1.06%1.21%1.37%5.49%+452 bps
Capital
Risk-Based Capital19.53%20.64%20.40%20.19%20.04%+50 bps
Net Worth / Assets19.53%20.64%20.40%20.19%20.04%+50 bps
Liquidity & Funding
Loans / Shares51.35%50.48%43.53%38.90%33.37%-1,797 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps