PackageTrendsPeer
Letter portraitLegal landscape

Akron Police Department

Akron, OH · Charter 96657

NCUA

Q1 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: Q1 2016, the quarter ended March 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 2026-10-11

Akron Police Department

Akron, OH · Charter 96657

NCUA

Q1 2016

$10.4MAssets
$6.6MLoans
$9.3MShares
$1.1MNet 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 -4.92%, down 471 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 1.05% of loans (+28 bps YoY).
  • Capital: net worth / assets of 10.96%, down 160 bps from a year ago.
  • Funding: loans stand at 70.88% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-4.92%-471 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+102 bps YoY

Efficiency Ratio (YTD, annualized)

131.40%+2,560 bps YoY

Net Worth / Assets

10.96%-160 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.21%-3.42%-2.58%-2.39%-4.92%-471 bps
Return on Equity-1.67%-29.73%-20.59%-19.55%-44.84%-4,317 bps
Net Interest Margin2.90%3.07%3.50%3.54%3.91%+102 bps
Efficiency Ratio105.80%136.28%126.95%123.82%131.40%+2,560 bps
Growth
Asset Growth (YoY)0.10%-4.92%-11.23%-13.03%-13.52%-1,362 bps
Loan Growth (YoY)3.42%-2.61%-8.90%-10.73%-13.40%-1,681 bps
Share Growth (YoY)0.30%-3.82%-10.84%-12.38%-11.98%-1,229 bps
Asset Quality
Delinquent Loans / Loans0.77%1.30%1.45%1.96%1.05%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%2.37%2.30%2.81%2.91%+174 bps
Capital
Risk-Based Capital12.57%11.51%12.53%12.24%10.96%-160 bps
Net Worth / Assets12.57%11.51%12.53%12.24%10.96%-160 bps
Liquidity & Funding
Loans / Shares72.04%73.18%77.91%75.69%70.88%-116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps