PackageTrendsPeer
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Maple Heights School Employees

Maple Heights, OH · Charter 63733

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Maple Heights School Employees

Maple Heights, OH · Charter 63733

Q3 2010

$354KAssets
$282KLoans
$332KShares
$19KNet 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 -0.22%, up 319 bps year over year; NIM at 9.59%.
  • Asset quality: problem loans at 26.31% of loans (+870 bps YoY).
  • Capital: net worth / assets of 5.47%, down 528 bps from a year ago.
  • Funding: loans stand at 84.96% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.22%+319 bps YoY

Net Interest Margin (YTD, annualized)

9.59%+290 bps YoY

Efficiency Ratio (YTD, annualized)

90.45%+483 bps YoY

Net Worth / Assets

5.47%-528 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-3.41%-6.81%-16.01%0.50%-0.22%+319 bps
Return on Equity-31.70%-87.79%-411%11.60%-4.01%+2,769 bps
Net Interest Margin6.69%7.07%7.79%8.44%9.59%+290 bps
Efficiency Ratio85.62%76.81%74.63%80.97%90.45%+483 bps
Growth
Asset Growth (YoY)-0.16%3.66%-5.40%-15.70%-38.25%-3,809 bps
Loan Growth (YoY)-5.32%-3.38%-2.87%-14.71%-32.32%-2,701 bps
Share Growth (YoY)1.08%10.17%4.95%-7.22%-34.41%-3,549 bps
Asset Quality
Delinquent Loans / Loans17.61%9.84%13.65%10.88%26.31%+870 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.99%0.74%7.05%5.66%7.88%+488 bps
Capital
Risk-Based Capital10.75%7.76%3.89%4.33%5.47%-528 bps
Net Worth / Assets10.75%7.76%3.89%4.33%5.47%-528 bps
Liquidity & Funding
Loans / Shares82.34%84.65%85.98%80.37%84.96%+262 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps