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O'Neal

Birmingham, AL · Charter 64593

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

O'Neal

Birmingham, AL · Charter 64593

NCUA · 1 branch

Q3 2022

$2.3MAssets
$1.6MLoans
$1.7MShares
$623KNet 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 -1.15%, down 100 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 2.89% of loans (+94 bps YoY).
  • Capital: net worth / assets of 26.76%, up 122 bps from a year ago.
  • Funding: loans stand at 95.72% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.15%-100 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+52 bps YoY

Efficiency Ratio (YTD, annualized)

130.73%+2,902 bps YoY

Net Worth / Assets

26.76%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.15%-0.10%-0.08%0.20%-1.15%-100 bps
Return on Equity-0.59%-0.41%-0.35%0.80%-4.30%-371 bps
Net Interest Margin3.11%3.12%2.82%3.07%3.63%+52 bps
Efficiency Ratio101.71%100.27%102.80%93.76%130.73%+2,902 bps
Growth
Asset Growth (YoY)0.77%4.68%13.55%6.65%-7.52%-829 bps
Loan Growth (YoY)-3.63%-5.84%-0.51%4.77%11.86%+1,549 bps
Share Growth (YoY)1.16%6.54%18.79%9.05%-8.86%-1,002 bps
Asset Quality
Delinquent Loans / Loans1.95%1.80%2.19%1.28%2.89%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.88%0.87%0.30%0.37%-47 bps
Capital
Risk-Based Capital25.54%25.71%23.68%24.64%26.76%+122 bps
Net Worth / Assets25.54%25.71%23.68%24.64%26.76%+122 bps
Liquidity & Funding
Loans / Shares78.00%76.91%71.65%77.82%95.72%+1,773 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps