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Manatrol Division Employees

Elyria, OH · Charter 63053

NCUA · 1 branch

Q4 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: Q4 2016, the quarter ended December 31, 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

Manatrol Division Employees

Elyria, OH · Charter 63053

NCUA · 1 branch

Q4 2016

$638KAssets
$340KLoans
$521KShares
$117KNet 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 0.90%, up 152 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.37%, up 395 bps from a year ago.
  • Funding: loans stand at 65.18% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.90%+152 bps YoY

Net Interest Margin (YTD, annualized)

4.56%-8 bps YoY

Efficiency Ratio (YTD, annualized)

81.41%-3,186 bps YoY

Net Worth / Assets

18.37%+395 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.63%0.44%0.68%0.65%0.90%+152 bps
Return on Equity-4.34%2.98%4.56%4.19%4.87%+921 bps
Net Interest Margin4.64%4.07%3.90%4.00%4.56%-8 bps
Efficiency Ratio113.27%89.45%83.06%84.33%81.41%-3,186 bps
Growth
Asset Growth (YoY)-4.77%-8.26%-8.05%-6.69%-17.49%-1,271 bps
Loan Growth (YoY)-11.82%-13.87%-7.01%-17.93%-14.59%-277 bps
Share Growth (YoY)-4.80%-8.95%-9.31%-7.90%-21.22%-1,642 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.79%0.84%0.91%0.93%+14 bps
Capital
Risk-Based Capital14.42%14.73%14.89%15.53%18.37%+395 bps
Net Worth / Assets14.42%14.73%14.89%15.53%18.37%+395 bps
Liquidity & Funding
Loans / Shares60.12%61.39%57.76%55.44%65.18%+506 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps