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Cory Methodist Church

Cleveland, OH · Charter 61622

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 2026-10-11

Cory Methodist Church

Cleveland, OH · Charter 61622

NCUA · 2 branches

Q2 2016

$1.5MAssets
$589KLoans
$1.1MShares
$364KNet 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 -2.09%, up 278 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 37.39% of loans (+2,410 bps YoY).
  • Capital: net worth / assets of 24.80%, down 207 bps from a year ago.
  • Funding: loans stand at 53.40% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.09%+278 bps YoY

Net Interest Margin (YTD, annualized)

2.95%0 bps YoY

Efficiency Ratio (YTD, annualized)

92.51%-11,504 bps YoY

Net Worth / Assets

24.80%-207 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-4.88%-6.15%-9.01%-5.35%-2.09%+278 bps
Return on Equity-18.15%-24.67%-41.06%-21.53%-8.45%+970 bps
Net Interest Margin2.95%2.93%2.99%3.15%2.95%0 bps
Efficiency Ratio208%181.31%212%250%92.51%-11,504 bps
Growth
Asset Growth (YoY)-6.15%-5.83%-10.97%-18.28%-16.98%-1,083 bps
Loan Growth (YoY)4.37%-9.58%-5.49%-8.56%-16.84%-2,120 bps
Share Growth (YoY)-3.40%-0.10%-6.49%-12.89%-11.96%-856 bps
Asset Quality
Delinquent Loans / Loans13.29%0.62%33.90%26.16%37.39%+2,410 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.13%4.03%9.34%10.51%11.15%+701 bps
Capital
Risk-Based Capital26.86%24.93%21.95%24.86%24.80%-207 bps
Net Worth / Assets26.86%24.93%21.95%24.86%24.80%-207 bps
Liquidity & Funding
Loans / Shares56.53%50.89%54.20%57.83%53.40%-313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps