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Blade

Toledo, OH · Charter 5461

NCUA · 1 branch

Q1 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: Q1 2020, the quarter ended March 31, 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

Blade

Toledo, OH · Charter 5461

NCUA · 1 branch

Q1 2020

$5.2MAssets
$2.6MLoans
$4.9MShares
$249KNet 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 -5.00%, up 94 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 2.60% of loans (-48 bps YoY).
  • Capital: net worth / assets of 4.79%, down 182 bps from a year ago.
  • Funding: loans stand at 52.70% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-5.00%+94 bps YoY

Net Interest Margin (YTD, annualized)

4.70%-79 bps YoY

Efficiency Ratio (YTD, annualized)

122.81%+1,146 bps YoY

Net Worth / Assets

4.79%-182 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-5.94%-4.74%-5.31%-4.04%-5.00%+94 bps
Return on Equity-89.84%-76.69%-99.06%-69.25%-104.25%-1,440 bps
Net Interest Margin5.50%5.58%5.83%5.84%4.70%-79 bps
Efficiency Ratio111.35%112.31%115.51%115.40%122.81%+1,146 bps
Growth
Asset Growth (YoY)-23.79%-25.00%-28.01%-25.96%-22.02%+176 bps
Loan Growth (YoY)-7.39%-15.11%-25.46%-33.61%-38.93%-3,154 bps
Share Growth (YoY)-23.20%-23.82%-32.58%-23.63%-20.55%+265 bps
Asset Quality
Delinquent Loans / Loans3.07%1.34%2.89%4.50%2.60%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.56%3.14%3.69%3.43%3.99%+43 bps
Capital
Risk-Based Capital6.61%6.19%5.36%5.83%4.79%-182 bps
Net Worth / Assets6.61%6.19%5.36%5.83%4.79%-182 bps
Liquidity & Funding
Loans / Shares68.56%66.47%68.73%60.56%52.70%-1,586 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps