PackageTrendsPeer
Letter portraitLegal landscape

First Miami University Student

Oxford, OH · Charter 24336

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

First Miami University Student

Oxford, OH · Charter 24336

NCUA · 1 branch

Q3 2022

$269KAssets
$109KLoans
$266KShares
$2KNet 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 -9.83%, down 187 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 0.63%, down 1,405 bps from a year ago.
  • Funding: loans stand at 40.74% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-9.83%-187 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-104 bps YoY

Efficiency Ratio (YTD, annualized)

215%+10,126 bps YoY

Net Worth / Assets

0.63%-1,405 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-7.96%-11.36%-11.81%-14.46%-9.83%-187 bps
Return on Equity-54.23%-103.20%-140.55%-185.90%-1549%-149,445 bps
Net Interest Margin3.76%4.05%3.72%3.99%2.71%-104 bps
Efficiency Ratio113.31%132.86%170.20%215%215%+10,126 bps
Growth
Asset Growth (YoY)-17.64%-17.70%-19.24%-13.80%-17.56%+8 bps
Loan Growth (YoY)-20.81%-22.71%-17.65%-13.26%-15.32%+549 bps
Share Growth (YoY)-9.73%-12.24%-18.03%-6.19%-2.22%+751 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.38%6.16%5.97%5.30%5.56%+18 bps
Capital
Risk-Based Capital14.68%11.01%8.40%7.78%0.63%-1,405 bps
Net Worth / Assets14.68%11.01%8.40%7.78%0.63%-1,405 bps
Liquidity & Funding
Loans / Shares47.05%46.90%44.61%45.14%40.74%-630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps