PackageTrendsPeer
Letter portraitLegal landscape

Plain Dealer

Cleveland, OH · Charter 24761

NCUA · 1 branch

Q1 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: Q1 2022, the quarter ended March 31, 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

Plain Dealer

Cleveland, OH · Charter 24761

NCUA · 1 branch

Q1 2022

$18.3MAssets
$4.9MLoans
$15.5MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.08%, up 61 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.46% of loans (+29 bps YoY).
  • Capital: net worth / assets of 15.22%, up 47 bps from a year ago.
  • Funding: loans stand at 31.86% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

0.08%+61 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+28 bps YoY

Efficiency Ratio (YTD, annualized)

97.30%-2,170 bps YoY

Net Worth / Assets

15.22%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.51%-1.42%-1.19%-0.52%-0.54%-0.38%-0.47%0.08%+61 bps
Return on Equity-3.04%-8.90%-7.98%-3.56%-3.56%-2.54%-3.15%0.55%+410 bps
Net Interest Margin2.60%2.56%2.37%2.18%2.29%2.31%2.39%2.46%+28 bps
Efficiency Ratio115.97%105.96%110.65%119.00%118.56%112.94%115.63%97.30%-2,170 bps
Growth
Asset Growth (YoY)-3.50%4.78%13.45%10.51%2.06%3.18%-3.58%-5.08%-1,559 bps
Loan Growth (YoY)-11.93%-12.00%-7.57%-3.85%-2.69%-3.56%-2.96%-5.82%-197 bps
Share Growth (YoY)-4.19%7.09%12.73%14.58%4.18%4.42%0.56%-5.44%-2,002 bps
Asset Quality
Delinquent Loans / Loans1.52%0.84%0.63%0.16%0.11%0.38%0.51%0.46%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.58%2.47%2.18%1.80%1.79%2.00%1.94%2.07%+27 bps
Capital
Risk-Based Capital16.85%15.98%14.87%14.76%15.02%15.01%14.95%15.22%+47 bps
Net Worth / Assets16.85%15.98%14.87%14.76%15.02%15.01%14.95%15.22%+47 bps
Liquidity & Funding
Loans / Shares34.93%34.68%33.30%31.98%32.63%32.03%32.14%31.86%-13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps