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Cinco Family Financial Center

Cincinnati, OH · Charter 68481

NCUA · 2 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Cinco Family Financial Center

Cincinnati, OH · Charter 68481

NCUA · 2 branches

Q3 2017

$114.3MAssets
$64.9MLoans
$105.1MShares
$8.6MNet 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 -0.18%, down 27 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.52% of loans (-15 bps YoY).
  • Capital: net worth / assets of 7.56%, down 15 bps from a year ago.
  • Funding: loans stand at 61.77% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-18 bps YoY

Efficiency Ratio (YTD, annualized)

102.18%+826 bps YoY

Net Worth / Assets

7.56%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.09%0.08%0.12%0.21%-0.18%-27 bps
Return on Equity1.21%1.04%1.63%2.77%-2.38%-358 bps
Net Interest Margin2.82%2.79%2.65%2.63%2.64%-18 bps
Efficiency Ratio93.91%93.29%95.66%91.87%102.18%+826 bps
Growth
Asset Growth (YoY)-0.83%-1.47%0.41%1.17%0.30%+113 bps
Loan Growth (YoY)-2.20%-1.97%-2.65%-6.16%-7.40%-520 bps
Share Growth (YoY)-1.73%-2.51%-0.58%1.46%0.87%+261 bps
Asset Quality
Delinquent Loans / Loans0.67%0.95%0.61%0.11%0.52%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.39%0.41%0.37%0.37%0.40%+1 bps
Capital
Risk-Based Capital7.70%7.73%7.51%7.75%7.56%-15 bps
Net Worth / Assets7.70%7.73%7.51%7.75%7.56%-15 bps
Liquidity & Funding
Loans / Shares67.29%67.55%63.70%62.71%61.77%-552 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%99.24%+9,924 bps