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CCC Van Wert

Van Wert, OH · Charter 63633

NCUA · 1 branch

Q2 2020

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 2020, the quarter ended June 30, 2020, 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

CCC Van Wert

Van Wert, OH · Charter 63633

NCUA · 1 branch

Q2 2020

$551KAssets
$221KLoans
$346KShares
$204KNet 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 -0.27%, up 88 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.00% of loans (-493 bps YoY).
  • Capital: net worth / assets of 37.11%, up 68 bps from a year ago.
  • Funding: loans stand at 63.93% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.27%+88 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+96 bps YoY

Efficiency Ratio (YTD, annualized)

105.61%-2,431 bps YoY

Net Worth / Assets

37.11%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets-1.14%-1.08%-1.13%-0.57%-0.27%+88 bps
Return on Equity-3.13%-2.89%-2.84%-1.49%-0.71%+242 bps
Net Interest Margin3.70%3.88%4.32%4.33%4.66%+96 bps
Efficiency Ratio129.92%126.45%125.03%112.82%105.61%-2,431 bps
Growth
Asset Growth (YoY)-0.21%-4.11%-4.01%-2.80%-6.10%-589 bps
Loan Growth (YoY)-30.97%-15.03%-18.12%-4.44%-8.01%+2,296 bps
Share Growth (YoY)2.51%-3.50%-2.49%-5.19%-6.86%-938 bps
Asset Quality
Delinquent Loans / Loans4.93%3.43%0.00%0.00%0.00%-493 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.58%5.75%6.08%6.77%7.15%+57 bps
Capital
Risk-Based Capital36.43%37.36%39.92%37.99%37.11%+68 bps
Net Worth / Assets36.43%37.36%39.92%37.99%37.11%+68 bps
Liquidity & Funding
Loans / Shares64.72%77.59%84.86%70.58%63.93%-80 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps