PackageTrendsPeer
Letter portraitLegal landscape

Associated School Employees

Youngstown, OH · Charter 95819

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Associated School Employees

Youngstown, OH · Charter 95819

Q2 2008

$71.1MAssets
$28.7MLoans
$60.0MShares
$10.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, down 49 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 1.16% of loans (-141 bps YoY).
  • Capital: net worth / assets of 15.16%, down 41 bps from a year ago.
  • Funding: loans stand at 47.86% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

0.51%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-27 bps YoY

Efficiency Ratio (YTD, annualized)

81.30%+881 bps YoY

Net Worth / Assets

15.16%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.05%1.05%0.81%1.00%1.11%1.00%0.43%0.51%-49 bps
Return on Equity6.54%6.53%5.16%6.39%6.93%6.27%2.80%3.34%-305 bps
Net Interest Margin3.23%3.19%3.17%3.19%3.32%3.17%3.03%2.92%-27 bps
Efficiency Ratio71.72%71.44%77.44%72.49%70.58%72.52%86.79%81.30%+881 bps
Growth
Asset Growth (YoY)n/an/an/a8.99%7.61%7.74%8.18%7.87%-112 bps
Loan Growth (YoY)n/an/an/a4.23%5.36%4.79%2.74%0.98%-325 bps
Share Growth (YoY)n/an/an/a9.82%9.83%10.12%10.47%10.24%+42 bps
Asset Quality
Delinquent Loans / Loans0.37%0.94%0.85%2.58%1.21%8.38%1.05%1.16%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.28%0.29%0.26%0.26%0.25%0.09%0.19%-7 bps
Capital
Risk-Based Capital16.10%16.15%15.61%15.57%16.06%15.99%15.31%15.16%-41 bps
Net Worth / Assets16.10%16.15%15.61%15.57%16.06%15.99%15.31%15.16%-41 bps
Liquidity & Funding
Loans / Shares56.36%55.27%52.52%52.25%54.06%52.59%48.84%47.86%-439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps