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Rta Hayden

Cleveland, OH · Charter 2538

NCUA · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Rta Hayden

Cleveland, OH · Charter 2538

NCUA · 1 branch

Q4 2017

$1.5MAssets
$972KLoans
$1.2MShares
$319KNet 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 -7.65%, down 855 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 5.38% of loans (+330 bps YoY).
  • Capital: net worth / assets of 20.72%, down 658 bps from a year ago.
  • Funding: loans stand at 83.01% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-7.65%-855 bps YoY

Net Interest Margin (YTD, annualized)

5.17%+103 bps YoY

Efficiency Ratio (YTD, annualized)

173.83%+7,832 bps YoY

Net Worth / Assets

20.72%-658 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.90%0.16%1.49%-7.32%-7.65%-855 bps
Return on Equity3.28%0.63%5.99%-36.74%-36.92%-4,020 bps
Net Interest Margin4.14%4.39%4.51%4.86%5.17%+103 bps
Efficiency Ratio95.51%97.08%72.95%163.75%173.83%+7,832 bps
Growth
Asset Growth (YoY)-4.15%2.50%3.82%-1.23%-3.76%+39 bps
Loan Growth (YoY)16.56%20.77%35.97%31.15%-0.83%-1,739 bps
Share Growth (YoY)-5.69%2.95%2.30%2.41%1.22%+691 bps
Asset Quality
Delinquent Loans / Loans2.09%2.03%0.72%2.13%5.38%+330 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%0.59%0.55%4.46%3.61%+269 bps
Capital
Risk-Based Capital27.31%25.51%24.94%19.91%20.72%-658 bps
Net Worth / Assets27.31%25.51%24.94%19.91%20.72%-658 bps
Liquidity & Funding
Loans / Shares84.73%80.65%85.52%87.09%83.01%-172 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps