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Community United

Strongsville, OH · Charter 68364

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

Community United

Strongsville, OH · Charter 68364

Q3 2009

$13.9MAssets
$7.7MLoans
$12.1MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.34%, down 43 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 2.37% of loans (+199 bps YoY).
  • Capital: net worth / assets of 12.73%, down 159 bps from a year ago.
  • Funding: loans stand at 63.30% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

-0.34%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-24 bps YoY

Efficiency Ratio (YTD, annualized)

87.97%-1,104 bps YoY

Net Worth / Assets

12.73%-159 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.16%0.02%0.02%0.09%0.10%-1.93%-0.51%-0.34%-43 bps
Return on Equity1.11%0.18%0.15%0.64%0.67%-15.29%-4.03%-2.65%-329 bps
Net Interest Margin3.32%2.92%3.03%3.25%3.23%2.79%2.96%3.00%-24 bps
Efficiency Ratio95.88%99.27%99.41%99.00%98.53%100.45%83.13%87.97%-1,104 bps
Growth
Asset Growth (YoY)9.07%7.40%2.81%4.15%0.10%4.77%7.26%10.50%+634 bps
Loan Growth (YoY)-2.66%-6.49%-7.42%-0.01%-1.59%5.84%7.79%6.88%+689 bps
Share Growth (YoY)10.37%8.49%3.14%4.90%0.10%6.02%8.53%12.41%+751 bps
Asset Quality
Delinquent Loans / Loans0.22%0.15%0.27%0.38%0.13%0.46%2.46%2.37%+199 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.58%0.48%0.44%0.36%0.41%0.32%0.44%0.24%-12 bps
Capital
Risk-Based Capital14.39%13.65%13.87%14.32%14.47%12.63%12.75%12.73%-159 bps
Net Worth / Assets14.39%13.65%13.87%14.32%14.47%12.63%12.75%12.73%-159 bps
Liquidity & Funding
Loans / Shares65.82%59.05%59.97%66.58%64.71%58.95%59.56%63.30%-328 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps