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U.F.C.W. Union Local 880

Cleveland, OH · Charter 61252

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

U.F.C.W. Union Local 880

Cleveland, OH · Charter 61252

Q3 2012

$10.3MAssets
$2.9MLoans
$9.2MShares
$1.1MNet 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 -2.04%, down 29 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 1.94% of loans (-183 bps YoY).
  • Capital: net worth / assets of 10.69%, down 183 bps from a year ago.
  • Funding: loans stand at 30.95% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.04%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-55 bps YoY

Efficiency Ratio (YTD, annualized)

142.18%+276 bps YoY

Net Worth / Assets

10.69%-183 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-1.76%-1.89%-1.94%-2.13%-2.04%-29 bps
Return on Equity-14.04%-15.52%-16.86%-19.85%-19.12%-509 bps
Net Interest Margin3.43%3.42%2.96%2.83%2.88%-55 bps
Efficiency Ratio139.42%139.89%124.76%138.23%142.18%+276 bps
Growth
Asset Growth (YoY)-1.27%-4.58%-0.54%0.57%-1.98%-70 bps
Loan Growth (YoY)-24.24%-23.68%-19.04%-8.74%-2.96%+2,128 bps
Share Growth (YoY)2.08%-2.21%1.91%3.22%0.16%-192 bps
Asset Quality
Delinquent Loans / Loans3.77%3.40%3.78%0.94%1.94%-183 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.41%2.40%3.61%2.89%2.88%+48 bps
Capital
Risk-Based Capital12.52%12.18%11.49%10.75%10.69%-183 bps
Net Worth / Assets12.52%12.18%11.49%10.75%10.69%-183 bps
Liquidity & Funding
Loans / Shares31.94%30.12%28.75%29.59%30.95%-100 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps