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Brook Park, OH · Charter 68539

NCUA · 3 branches

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

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Brook Park, OH · Charter 68539

NCUA · 3 branches

Q2 2020

$171.0MAssets
$32.3MLoans
$116.7MShares
$20.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.17%, down 9 bps year over year; NIM at 1.94%.
  • Asset quality: problem loans at 1.01% of loans (+36 bps YoY).
  • Capital: net worth / assets of 12.05%, down 86 bps from a year ago.
  • Funding: loans stand at 27.64% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

0.17%-9 bps YoY

Net Interest Margin (YTD, annualized)

1.94%-30 bps YoY

Efficiency Ratio (YTD, annualized)

91.50%+487 bps YoY

Net Worth / Assets

12.05%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.34%0.33%0.33%0.27%0.36%0.36%0.31%0.17%-9 bps
Return on Equity2.62%2.50%2.56%2.07%2.73%2.83%2.51%1.44%-63 bps
Net Interest Margin2.20%2.27%2.19%2.24%2.09%2.16%2.18%1.94%-30 bps
Efficiency Ratio86.43%86.82%87.27%86.63%84.07%84.15%86.36%91.50%+487 bps
Growth
Asset Growth (YoY)-1.18%-0.84%0.32%1.17%2.01%9.83%8.51%12.83%+1,166 bps
Loan Growth (YoY)-0.79%-1.37%-0.84%-6.42%-7.17%1.96%-0.29%3.32%+974 bps
Share Growth (YoY)-0.66%-0.95%-1.63%-1.43%-0.29%9.75%8.43%15.38%+1,680 bps
Asset Quality
Delinquent Loans / Loans1.13%1.14%1.05%0.65%0.60%1.24%0.83%1.01%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.37%0.36%0.26%0.44%0.49%0.36%0.34%0.27%-16 bps
Capital
Risk-Based Capital13.00%13.27%12.94%12.91%13.09%12.77%12.54%12.05%-86 bps
Net Worth / Assets13.00%13.27%12.94%12.91%13.09%12.77%12.54%12.05%-86 bps
Liquidity & Funding
Loans / Shares33.25%33.47%32.25%30.87%30.96%31.09%29.66%27.64%-323 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps