Franklin County School Employees
Columbus, OH · Charter 7772 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
$34.3MAssets
$15.1MLoans
$29.9MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets (rank 624 of 1757).
- Widest gap: efficiency ratio trails 93% of credit unions under $1B in assets (rank 1635 of 1754).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.26%
Rank 1,592 of 1,761
Net Interest Margin
3.25%
Rank 1,164 of 1,761
Efficiency Ratio
103.80%
Rank 1,635 of 1,754
Equity / Assets
10.51%
Rank 1,254 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.26% | 0.26% | 0.70% | 1.22% | Beats 10% | 1,592 / 1,761 | | |
| Return on Equity | -2.48% | 2.09% | 5.52% | 9.08% | Beats 9% | 1,597 / 1,761 | | |
| Net Interest Margin | 3.25% | 3.03% | 3.59% | 4.25% | Beats 34% | 1,164 / 1,761 | | |
| Efficiency Ratio | 103.80% | 68.95% | 77.94% | 87.14% | Beats 7% | 1,635 / 1,754 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.27% | Beats 65% | 624 / 1,757 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.50% | 10.05% | 12.42% | 15.87% | Beats 29% | 1,255 / 1,761 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.51% | 10.05% | 12.42% | 15.87% | Beats 29% | 1,254 / 1,761 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.57% | 56.21% | 73.13% | 85.64% | 19th pctl | 1,433 / 1,759 | | |
| Loans / Assets | 44.13% | 47.85% | 62.48% | 73.19% | 20th pctl | 1,409 / 1,761 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |