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Ormet

Clarington, OH · Charter 60913

NCUA · 4 branches

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Ormet

Clarington, OH · Charter 60913

NCUA · 4 branches

Q3 2018

$148.6MAssets
$101.6MLoans
$136.3MShares
$13.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 24 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.37% of loans (-7 bps YoY).
  • Capital: net worth / assets of 9.16%, up 28 bps from a year ago.
  • Funding: loans stand at 74.55% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

0.87%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+43 bps YoY

Efficiency Ratio (YTD, annualized)

71.31%-924 bps YoY

Net Worth / Assets

9.16%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.23%0.32%0.54%0.63%0.64%0.98%0.86%0.87%+24 bps
Return on Equity2.57%3.71%6.15%7.10%7.23%11.28%9.52%9.47%+237 bps
Net Interest Margin2.43%2.54%2.65%2.75%2.79%2.91%3.10%3.19%+43 bps
Efficiency Ratio90.83%89.80%83.61%80.55%79.22%73.21%71.62%71.31%-924 bps
Growth
Asset Growth (YoY)-1.12%3.81%6.41%7.07%8.82%9.25%5.73%6.44%-63 bps
Loan Growth (YoY)11.64%25.22%34.46%43.56%42.48%31.27%25.33%22.40%-2,116 bps
Share Growth (YoY)-1.13%3.78%6.43%6.88%8.63%9.39%7.18%6.64%-23 bps
Asset Quality
Delinquent Loans / Loans0.37%0.23%0.38%0.45%0.62%0.57%0.66%0.37%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.37%0.32%0.30%0.28%0.29%0.29%0.36%0.38%+10 bps
Capital
Risk-Based Capital9.00%8.67%8.72%8.87%8.91%8.72%9.04%9.16%+28 bps
Net Worth / Assets9.00%8.67%8.72%8.87%8.91%8.72%9.04%9.16%+28 bps
Liquidity & Funding
Loans / Shares50.80%55.05%61.04%64.95%66.64%66.06%71.38%74.55%+959 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps