PackageTrendsPeer
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East Central Ohio Food Dealers Assc

North Canton, OH · Charter 66280

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

East Central Ohio Food Dealers Assc

North Canton, OH · Charter 66280

Q4 2014

$1.1MAssets
$649KLoans
$1.0MShares
$68KNet Worth

Executive Summary

  • Earnings: ROA of -1.27%, down 44 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.81% of loans (+4 bps YoY).
  • Capital: net worth / assets of 6.32%, down 143 bps from a year ago.
  • Funding: loans stand at 64.90% of shares as of Q4 2014.

Return on Assets (YTD, annualized)

-1.27%-44 bps YoY

Net Interest Margin (YTD, annualized)

5.16%-8 bps YoY

Efficiency Ratio (YTD, annualized)

118.90%+1,370 bps YoY

Net Worth / Assets

6.32%-143 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-1.06%-0.94%-0.71%-0.83%-0.03%-0.22%-0.03%-1.27%-44 bps
Return on Equity-14.01%-13.73%-10.70%-10.77%-0.42%-3.47%-0.35%-20.09%-932 bps
Net Interest Margin4.83%4.46%4.38%5.23%4.75%4.40%5.37%5.16%-8 bps
Efficiency Ratio108.06%108.52%105.01%105.20%94.61%98.60%95.89%118.90%+1,370 bps
Growth
Asset Growth (YoY)-3.11%-1.38%-0.43%-2.25%0.44%-0.10%-16.97%2.11%+436 bps
Loan Growth (YoY)-14.48%-16.38%-14.19%-2.05%6.38%8.42%30.65%8.31%+1,036 bps
Share Growth (YoY)-1.65%0.34%1.20%-1.56%1.03%0.24%-18.00%3.82%+538 bps
Asset Quality
Delinquent Loans / Loans1.45%1.98%1.58%0.76%0.89%0.75%0.85%0.81%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.30%2.31%2.35%1.86%1.49%1.53%1.31%0.75%-111 bps
Capital
Risk-Based Capital7.57%6.84%6.63%7.75%7.03%6.49%7.77%6.32%-143 bps
Net Worth / Assets7.57%6.84%6.63%7.75%7.03%6.49%7.77%6.32%-143 bps
Liquidity & Funding
Loans / Shares54.51%50.31%46.59%62.20%57.39%54.42%74.24%64.90%+269 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%92.97%0.00%0.00%0 bps