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Woodlawn

Pawtucket, RI · Charter 24714

NCUA · 1 branch

Q1 2023

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 2023, the quarter ended March 31, 2023, 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

Woodlawn

Pawtucket, RI · Charter 24714

NCUA · 1 branch

Q1 2023

$11.9MAssets
$4.7MLoans
$11.1MShares
$420KNet 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 -6.26%, down 636 bps year over year; NIM at 6.14%.
  • Asset quality: problem loans at 26.36% of loans (+2,537 bps YoY).
  • Capital: net worth / assets of 3.52%, down 125 bps from a year ago.
  • Funding: loans stand at 42.22% of shares as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

-6.26%-636 bps YoY

Net Interest Margin (YTD, annualized)

6.14%+270 bps YoY

Efficiency Ratio (YTD, annualized)

190.05%+9,236 bps YoY

Net Worth / Assets

3.52%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.10%-0.01%-0.80%-1.00%-6.26%-636 bps
Return on Equity2.14%-0.18%-17.92%-24.37%-177.63%-17,977 bps
Net Interest Margin3.45%3.54%3.62%3.67%6.14%+270 bps
Efficiency Ratio97.69%93.86%95.39%92.53%190.05%+9,236 bps
Growth
Asset Growth (YoY)2.03%-3.43%-6.80%-7.32%-24.97%-2,700 bps
Loan Growth (YoY)17.90%-37.85%-40.10%-43.14%-43.62%-6,153 bps
Share Growth (YoY)1.93%-3.75%-6.51%-6.69%-26.44%-2,838 bps
Asset Quality
Delinquent Loans / Loans0.99%1.68%6.07%7.25%26.36%+2,537 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%1.04%2.92%4.75%4.87%+424 bps
Capital
Risk-Based Capital4.77%4.89%4.45%4.12%3.52%-125 bps
Net Worth / Assets4.77%4.89%4.45%4.12%3.52%-125 bps
Liquidity & Funding
Loans / Shares55.08%36.76%34.70%34.05%42.22%-1,286 bps
Liquid Assets / Assets99.32%0.00%0.00%0.00%0.00%-9,932 bps