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Rmi Co. Employees

Niles, OH · Charter 60973

NCUA · 1 branch

Q3 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: Q3 2020, the quarter ended September 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

Rmi Co. Employees

Niles, OH · Charter 60973

NCUA · 1 branch

Q3 2020

$20.0MAssets
$3.8MLoans
$16.1MShares
$3.6MNet 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%, down 52 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 0.24% of loans (-371 bps YoY).
  • Capital: net worth / assets of 18.21%, down 151 bps from a year ago.
  • Funding: loans stand at 23.40% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-52 bps YoY

Net Interest Margin (YTD, annualized)

2.24%-55 bps YoY

Efficiency Ratio (YTD, annualized)

106.74%+1,874 bps YoY

Net Worth / Assets

18.21%-151 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.33%0.22%0.01%-0.11%-0.18%-52 bps
Return on Equity1.69%1.11%0.06%-0.58%-1.01%-270 bps
Net Interest Margin2.79%2.78%2.57%2.37%2.24%-55 bps
Efficiency Ratio88.01%91.81%99.64%103.70%106.74%+1,874 bps
Growth
Asset Growth (YoY)-16.20%-4.73%-4.17%1.76%7.12%+2,332 bps
Loan Growth (YoY)-10.94%-11.28%-15.72%-12.48%-14.41%-347 bps
Share Growth (YoY)-15.57%-6.28%-6.59%0.47%7.78%+2,335 bps
Asset Quality
Delinquent Loans / Loans3.95%4.69%1.62%3.14%0.24%-371 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.42%1.31%1.41%1.59%1.39%-3 bps
Capital
Risk-Based Capital19.72%19.88%19.64%18.46%18.21%-151 bps
Net Worth / Assets19.72%19.88%19.64%18.46%18.21%-151 bps
Liquidity & Funding
Loans / Shares29.47%28.92%25.99%24.12%23.40%-607 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps