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St. Pauls Euclid Parish

Euclid, OH · Charter 4932

Q2 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: Q2 2015, the quarter ended June 30, 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. Pauls Euclid Parish

Euclid, OH · Charter 4932

Q2 2015

$1.1MAssets
$51KLoans
$804KShares
$263KNet 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 -1.20%, down 20 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 1.13% of loans (+59 bps YoY).
  • Capital: net worth / assets of 24.61%, up 1,061 bps from a year ago.
  • Funding: loans stand at 6.28% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-1.20%-20 bps YoY

Net Interest Margin (YTD, annualized)

1.66%+52 bps YoY

Efficiency Ratio (YTD, annualized)

215%+2,716 bps YoY

Net Worth / Assets

24.61%+1,061 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-1.00%-0.99%-0.70%-0.20%-1.20%-20 bps
Return on Equity-7.11%-6.99%-4.90%-1.44%-4.87%+224 bps
Net Interest Margin1.14%1.09%1.07%0.94%1.66%+52 bps
Efficiency Ratio188.06%190.44%192.58%207%215%+2,716 bps
Growth
Asset Growth (YoY)0.04%-2.29%-0.68%-3.69%-45.19%-4,523 bps
Loan Growth (YoY)-7.83%-5.61%-17.24%-36.68%-69.24%-6,141 bps
Share Growth (YoY)1.32%-1.23%0.04%-2.72%-51.92%-5,324 bps
Asset Quality
Delinquent Loans / Loans0.54%1.17%2.44%12.83%1.13%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.71%4.08%1.45%0.96%3.19%-51 bps
Capital
Risk-Based Capital14.00%14.10%14.33%14.16%24.61%+1,061 bps
Net Worth / Assets14.00%14.10%14.33%14.16%24.61%+1,061 bps
Liquidity & Funding
Loans / Shares9.82%9.67%7.90%6.91%6.28%-354 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps