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Distinguished Service

Youngstown, OH · Charter 95028

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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 2026-10-10

Distinguished Service

Youngstown, OH · Charter 95028

NCUA · 1 branch

Q4 2016

$1.1MAssets
$449KLoans
$713KShares
$366KNet 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 -2.73%, down 96 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 33.82%, down 244 bps from a year ago.
  • Funding: loans stand at 63.00% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.73%-96 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-52 bps YoY

Efficiency Ratio (YTD, annualized)

161.04%+2,554 bps YoY

Net Worth / Assets

33.82%-244 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-1.77%-2.50%-2.39%-2.30%-2.73%-96 bps
Return on Equity-4.89%-7.20%-6.97%-7.32%-8.08%-319 bps
Net Interest Margin4.14%3.45%3.52%3.27%3.62%-52 bps
Efficiency Ratio135.50%163.92%154.30%156.50%161.04%+2,554 bps
Growth
Asset Growth (YoY)-14.16%-9.58%-9.84%2.74%-0.79%+1,337 bps
Loan Growth (YoY)-7.46%-13.32%-14.77%-12.87%-17.36%-990 bps
Share Growth (YoY)-18.82%-11.70%-11.92%7.62%3.03%+2,186 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.65%1.67%1.90%1.93%1.87%-78 bps
Capital
Risk-Based Capital36.26%34.69%34.29%31.47%33.82%-244 bps
Net Worth / Assets36.26%34.69%34.29%31.47%33.82%-244 bps
Liquidity & Funding
Loans / Shares78.54%70.99%68.94%62.03%63.00%-1,555 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps