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Globe Industries Employees

Dayton, OH · Charter 61520

NCUA · 2 branches

Q2 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: Q2 2016, the quarter ended June 30, 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 2026-10-10

Globe Industries Employees

Dayton, OH · Charter 61520

NCUA · 2 branches

Q2 2016

$1.7MAssets
$560KLoans
$1.5MShares
$185KNet 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 -9.05%, down 678 bps year over year; NIM at 0.40%.
  • Asset quality: problem loans at 2.76% of loans (+45 bps YoY).
  • Capital: net worth / assets of 11.09%, down 536 bps from a year ago.
  • Funding: loans stand at 38.20% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-9.05%-678 bps YoY

Net Interest Margin (YTD, annualized)

0.40%-236 bps YoY

Efficiency Ratio (YTD, annualized)

1355%+117,936 bps YoY

Net Worth / Assets

11.09%-536 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-2.27%-2.15%-3.41%-2.50%-9.05%-678 bps
Return on Equity-13.79%-14.55%-23.13%-16.84%-81.60%-6,781 bps
Net Interest Margin2.76%2.58%2.78%2.58%0.40%-236 bps
Efficiency Ratio175.30%176.56%183.50%172.64%1355%+117,936 bps
Growth
Asset Growth (YoY)0.01%6.93%0.90%-7.63%-7.98%-799 bps
Loan Growth (YoY)-1.75%-5.45%-14.58%-16.56%-24.03%-2,228 bps
Share Growth (YoY)3.14%11.49%5.26%-5.02%-2.94%-608 bps
Asset Quality
Delinquent Loans / Loans2.31%3.64%3.06%6.12%2.76%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.35%1.60%1.66%2.22%2.76%+42 bps
Capital
Risk-Based Capital16.45%14.76%14.76%14.85%11.09%-536 bps
Net Worth / Assets16.45%14.76%14.76%14.85%11.09%-536 bps
Liquidity & Funding
Loans / Shares48.80%41.45%43.81%41.45%38.20%-1,060 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps