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Triangle

Kettering, OH · Charter 61014

NCUA · 2 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Triangle

Kettering, OH · Charter 61014

NCUA · 2 branches

Q1 2017

$16.9MAssets
$3.5MLoans
$15.5MShares
$1.4MNet 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 -0.98%, down 64 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.39% of loans (+14 bps YoY).
  • Capital: net worth / assets of 8.26%, down 127 bps from a year ago.
  • Funding: loans stand at 22.90% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.98%-64 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+7 bps YoY

Efficiency Ratio (YTD, annualized)

136.87%+2,580 bps YoY

Net Worth / Assets

8.26%-127 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.33%-0.36%-0.34%-1.90%-0.98%-64 bps
Return on Equity-3.49%-3.76%-3.51%-22.85%-11.83%-834 bps
Net Interest Margin2.18%2.19%2.26%2.32%2.25%+7 bps
Efficiency Ratio111.06%111.52%110.65%165.52%136.87%+2,580 bps
Growth
Asset Growth (YoY)4.52%4.32%2.40%-3.11%-7.99%-1,250 bps
Loan Growth (YoY)1.24%-8.87%-0.87%-4.83%-10.30%-1,154 bps
Share Growth (YoY)5.79%6.12%3.31%-2.29%-6.68%-1,247 bps
Asset Quality
Delinquent Loans / Loans0.25%0.21%0.22%0.41%0.39%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.66%0.68%0.57%0.25%-34 bps
Capital
Risk-Based Capital9.53%9.45%9.68%8.30%8.26%-127 bps
Net Worth / Assets9.53%9.45%9.68%8.30%8.26%-127 bps
Liquidity & Funding
Loans / Shares23.83%21.82%23.70%23.70%22.90%-92 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps