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Stark Metropolitan Housing Authorit

Canton, OH · Charter 24646

NCUA

Q1 2016

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: Q1 2016, the quarter ended March 31, 2016, 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

Stark Metropolitan Housing Authorit

Canton, OH · Charter 24646

NCUA

Q1 2016

$1.4MAssets
$851KLoans
$1.3MShares
$57KNet 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 -5.51%, up 166 bps year over year; NIM at 5.55%.
  • Asset quality: problem loans at 14.82% of loans (+489 bps YoY).
  • Capital: net worth / assets of 4.19%, down 385 bps from a year ago.
  • Funding: loans stand at 65.67% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-5.51%+166 bps YoY

Net Interest Margin (YTD, annualized)

5.55%-203 bps YoY

Efficiency Ratio (YTD, annualized)

174.40%+2,988 bps YoY

Net Worth / Assets

4.19%-385 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-7.17%-2.88%-3.83%-5.07%-5.51%+166 bps
Return on Equity-89.26%-33.35%-49.29%-93.92%-131.43%-4,217 bps
Net Interest Margin7.58%7.60%7.88%7.59%5.55%-203 bps
Efficiency Ratio144.52%107.78%116.39%128.74%174.40%+2,988 bps
Growth
Asset Growth (YoY)-19.90%-17.98%-17.80%-3.17%-8.97%+1,093 bps
Loan Growth (YoY)-21.88%-19.09%-17.95%-17.59%-19.50%+238 bps
Share Growth (YoY)-10.51%-14.29%-14.70%1.86%-4.97%+554 bps
Asset Quality
Delinquent Loans / Loans9.93%10.29%11.48%18.09%14.82%+489 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.26%4.10%4.69%5.19%5.75%+49 bps
Capital
Risk-Based Capital8.04%8.64%7.77%5.40%4.19%-385 bps
Net Worth / Assets8.04%8.64%7.77%5.40%4.19%-385 bps
Liquidity & Funding
Loans / Shares77.52%76.46%77.12%70.70%65.67%-1,185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps