PackageTrendsPeer
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St. Francis de Sales Parish

Parma, OH · Charter 4385

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

St. Francis de Sales Parish

Parma, OH · Charter 4385

Q1 2015

$5.9MAssets
$1.9MLoans
$4.2MShares
$1.7MNet 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 -0.18%, up 52 bps year over year; NIM at 1.98%.
  • Asset quality: problem loans at 0.22% of loans (-13 bps YoY).
  • Capital: net worth / assets of 28.44%, up 254 bps from a year ago.
  • Funding: loans stand at 45.42% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.18%+52 bps YoY

Net Interest Margin (YTD, annualized)

1.98%+1 bps YoY

Efficiency Ratio (YTD, annualized)

102.17%-2 bps YoY

Net Worth / Assets

28.44%+254 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-0.70%-0.23%-0.12%-0.30%-0.18%+52 bps
Return on Equity-2.69%-0.89%-0.44%-1.13%-0.63%+206 bps
Net Interest Margin1.96%2.06%2.10%2.11%1.98%+1 bps
Efficiency Ratio102.18%95.90%95.29%94.00%102.17%-2 bps
Growth
Asset Growth (YoY)-8.78%-6.62%-7.40%-4.62%-9.61%-84 bps
Loan Growth (YoY)-5.23%-7.75%-3.29%-7.52%-6.07%-84 bps
Share Growth (YoY)-10.81%-8.24%-9.84%-5.77%-12.70%-188 bps
Asset Quality
Delinquent Loans / Loans0.35%2.98%1.76%0.16%0.22%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.12%1.13%1.13%1.23%1.29%+17 bps
Capital
Risk-Based Capital25.90%26.33%27.08%26.77%28.44%+254 bps
Net Worth / Assets25.90%26.33%27.08%26.77%28.44%+254 bps
Liquidity & Funding
Loans / Shares42.22%43.03%45.00%42.32%45.42%+320 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps