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East Ohio Gas Clev Oper Emp

Cleveland, OH · Charter 434

NCUA · 1 branch

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

East Ohio Gas Clev Oper Emp

Cleveland, OH · Charter 434

NCUA · 1 branch

Q2 2020

$1.2MAssets
$767KLoans
$930KShares
$255KNet 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 -5.30%, down 525 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 10.55% of loans (+549 bps YoY).
  • Capital: net worth / assets of 21.41%, down 334 bps from a year ago.
  • Funding: loans stand at 82.44% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

-5.30%-525 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-46 bps YoY

Efficiency Ratio (YTD, annualized)

193.94%+9,262 bps YoY

Net Worth / Assets

21.41%-334 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets-0.05%-0.89%-1.68%-7.45%-5.30%-525 bps
Return on Equity-0.21%-3.43%-6.55%-32.41%-24.73%-2,453 bps
Net Interest Margin3.86%3.90%4.08%3.55%3.41%-46 bps
Efficiency Ratio101.32%122.83%125.68%187.73%193.94%+9,262 bps
Growth
Asset Growth (YoY)-10.24%-16.95%-16.11%-9.40%-3.30%+694 bps
Loan Growth (YoY)-2.46%-8.24%1.00%-12.23%-10.07%-761 bps
Share Growth (YoY)-11.71%-19.27%-19.45%-8.74%1.06%+1,277 bps
Asset Quality
Delinquent Loans / Loans5.06%8.56%7.64%5.68%10.55%+549 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%1.95%1.68%1.86%1.88%+99 bps
Capital
Risk-Based Capital24.75%25.95%25.59%22.99%21.41%-334 bps
Net Worth / Assets24.75%25.95%25.59%22.99%21.41%-334 bps
Liquidity & Funding
Loans / Shares92.65%98.93%104.39%88.38%82.44%-1,020 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps