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Ohio Edison - Penn Power

Youngstown, OH · Charter 61121

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Ohio Edison - Penn Power

Youngstown, OH · Charter 61121

NCUA

Q1 2016

$35.3MAssets
$23.3MLoans
$29.8MShares
$5.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, down 12 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.87% of loans (+22 bps YoY).
  • Capital: net worth / assets of 14.87%, up 174 bps from a year ago.
  • Funding: loans stand at 78.30% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

0.15%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+40 bps YoY

Efficiency Ratio (YTD, annualized)

91.99%-129 bps YoY

Net Worth / Assets

14.87%+174 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.91%-1.97%-2.20%0.27%0.46%0.54%0.45%0.15%-12 bps
Return on Equity-6.46%-14.73%-16.54%2.08%3.34%3.83%3.12%1.01%-107 bps
Net Interest Margin2.88%2.94%3.11%3.15%3.34%3.44%3.55%3.55%+40 bps
Efficiency Ratio121.70%160.59%151.76%93.29%89.42%87.61%88.10%91.99%-129 bps
Growth
Asset Growth (YoY)-7.38%-6.94%-7.97%-7.62%-6.81%-6.19%-5.17%-9.13%-151 bps
Loan Growth (YoY)-6.69%-1.47%4.52%13.26%17.08%10.99%6.63%-1.35%-1,462 bps
Share Growth (YoY)-7.48%-8.04%-6.99%-7.10%-6.27%-7.00%-6.47%-10.99%-389 bps
Asset Quality
Delinquent Loans / Loans2.68%2.06%2.31%1.66%1.71%1.64%2.27%1.87%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.39%0.38%0.56%0.55%0.58%0.43%0.47%0.49%-6 bps
Capital
Risk-Based Capital14.13%13.38%13.28%13.13%13.66%13.99%14.45%14.87%+174 bps
Net Worth / Assets14.13%13.38%13.28%13.13%13.66%13.99%14.45%14.87%+174 bps
Liquidity & Funding
Loans / Shares61.12%66.26%69.32%70.66%76.34%79.07%79.04%78.30%+765 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps