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B F G Employees'

Avon Lake, OH · Charter 61428

NCUA · 1 branch

Q3 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: Q3 2017, the quarter ended September 30, 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

B F G Employees'

Avon Lake, OH · Charter 61428

NCUA · 1 branch

Q3 2017

$26.0MAssets
$9.0MLoans
$24.0MShares
$1.9MNet 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 -1.79%, down 83 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 1.83% of loans (+25 bps YoY).
  • Capital: net worth / assets of 7.40%, down 93 bps from a year ago.
  • Funding: loans stand at 37.43% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.79%-83 bps YoY

Net Interest Margin (YTD, annualized)

2.67%-19 bps YoY

Efficiency Ratio (YTD, annualized)

133.05%+3,063 bps YoY

Net Worth / Assets

7.40%-93 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.96%-0.71%-0.76%-0.63%-1.79%-83 bps
Return on Equity-11.58%-8.89%-9.60%-7.83%-24.27%-1,269 bps
Net Interest Margin2.86%2.70%2.44%2.57%2.67%-19 bps
Efficiency Ratio102.42%102.20%121.58%117.01%133.05%+3,063 bps
Growth
Asset Growth (YoY)3.21%7.24%1.97%-2.52%-5.13%-834 bps
Loan Growth (YoY)-9.33%-11.37%-17.38%-19.19%-21.79%-1,246 bps
Share Growth (YoY)4.33%8.93%2.50%-2.54%-5.04%-937 bps
Asset Quality
Delinquent Loans / Loans1.58%2.34%1.07%1.32%1.83%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.31%1.40%1.55%1.70%2.78%+147 bps
Capital
Risk-Based Capital8.32%7.98%7.89%7.99%7.40%-93 bps
Net Worth / Assets8.32%7.98%7.89%7.99%7.40%-93 bps
Liquidity & Funding
Loans / Shares45.45%42.75%39.56%38.33%37.43%-802 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps