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International Harvester Employee

Springfield, OH · Charter 61744

NCUA · 4 branches

Q3 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: Q3 2016, the quarter ended September 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

International Harvester Employee

Springfield, OH · Charter 61744

NCUA · 4 branches

Q3 2016

$298.3MAssets
$165.5MLoans
$193.1MShares
$49.4MNet 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 0.56%, up 15 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.52% of loans (+14 bps YoY).
  • Capital: net worth / assets of 16.55%, down 75 bps from a year ago.
  • Funding: loans stand at 85.70% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.56%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+30 bps YoY

Efficiency Ratio (YTD, annualized)

75.64%-491 bps YoY

Net Worth / Assets

16.55%-75 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.41%0.40%0.65%0.61%0.56%+15 bps
Return on Equity2.36%2.39%4.00%3.76%3.40%+104 bps
Net Interest Margin2.49%2.46%2.71%2.73%2.79%+30 bps
Efficiency Ratio80.54%79.85%75.96%75.89%75.64%-491 bps
Growth
Asset Growth (YoY)6.31%7.19%9.47%9.76%7.77%+146 bps
Loan Growth (YoY)44.06%32.90%30.49%30.05%29.34%-1,472 bps
Share Growth (YoY)1.39%1.01%2.50%2.80%2.95%+156 bps
Asset Quality
Delinquent Loans / Loans0.38%0.39%0.24%0.51%0.52%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.40%0.45%0.44%0.44%0.53%+12 bps
Capital
Risk-Based Capital17.30%16.83%16.37%16.32%16.55%-75 bps
Net Worth / Assets17.30%16.83%16.37%16.32%16.55%-75 bps
Liquidity & Funding
Loans / Shares68.21%71.77%76.97%82.95%85.70%+1,749 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps