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Carmel Brotherhood

Cincinnati, OH · Charter 6207

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Carmel Brotherhood

Cincinnati, OH · Charter 6207

NCUA · 1 branch

Q3 2018

$111KAssets
$21KLoans
$97KShares
$11KNet 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 -10.69%, down 1,254 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 9.35% of loans (+487 bps YoY).
  • Capital: net worth / assets of 9.55%, down 532 bps from a year ago.
  • Funding: loans stand at 21.71% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-10.69%-1,254 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-152 bps YoY

Efficiency Ratio (YTD, annualized)

494%+44,154 bps YoY

Net Worth / Assets

9.55%-532 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.85%0.61%-2.58%-6.25%-10.69%-1,254 bps
Return on Equity12.44%3.95%-16.59%-45.94%-111.96%-12,440 bps
Net Interest Margin4.23%4.08%3.38%3.03%2.71%-152 bps
Efficiency Ratio52.95%85.10%176.51%307%494%+44,154 bps
Growth
Asset Growth (YoY)-47.97%-39.53%-38.92%-19.02%-20.11%+2,786 bps
Loan Growth (YoY)-47.26%-47.48%-51.78%-51.35%-50.69%-344 bps
Share Growth (YoY)-53.25%-43.82%-43.15%-20.13%-17.76%+3,549 bps
Asset Quality
Delinquent Loans / Loans4.48%8.29%4.61%7.82%9.35%+487 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.23%8.24%10.66%12.24%14.66%+744 bps
Capital
Risk-Based Capital14.86%15.49%15.58%13.61%9.55%-532 bps
Net Worth / Assets14.86%15.49%15.58%13.61%9.55%-532 bps
Liquidity & Funding
Loans / Shares36.20%35.32%28.65%25.12%21.71%-1,450 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps