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Central Ohio Teamsters

Columbus, OH · Charter 96676

Q1 2010

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 2010, the quarter ended March 31, 2010, 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

Central Ohio Teamsters

Columbus, OH · Charter 96676

Q1 2010

$5.4MAssets
$1.8MLoans
$4.0MShares
$1.4MNet 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 0.61%, up 947 bps year over year; NIM at 4.83%.
  • Asset quality: problem loans at 9.66% of loans (-476 bps YoY).
  • Capital: net worth / assets of 25.29%, up 55 bps from a year ago.
  • Funding: loans stand at 44.65% of shares as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

0.61%+947 bps YoY

Net Interest Margin (YTD, annualized)

4.83%-30 bps YoY

Efficiency Ratio (YTD, annualized)

87.52%-695 bps YoY

Net Worth / Assets

25.29%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-8.86%-9.50%-6.77%-5.83%0.61%+947 bps
Return on Equity-35.82%-41.16%-29.53%-24.55%2.41%+3,823 bps
Net Interest Margin5.13%4.48%4.54%4.81%4.83%-30 bps
Efficiency Ratio94.47%105.15%101.17%94.25%87.52%-695 bps
Growth
Asset Growth (YoY)-14.12%-16.78%-9.01%-11.13%-13.89%+23 bps
Loan Growth (YoY)-34.45%-37.80%-37.30%-40.95%-38.83%-439 bps
Share Growth (YoY)-15.18%-16.04%-5.18%-7.43%-14.10%+108 bps
Asset Quality
Delinquent Loans / Loans14.42%10.49%10.04%10.61%9.66%-476 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.22%9.02%10.03%11.24%12.80%+558 bps
Capital
Risk-Based Capital24.74%23.08%22.94%23.76%25.29%+55 bps
Net Worth / Assets24.74%23.08%22.94%23.76%25.29%+55 bps
Liquidity & Funding
Loans / Shares62.70%55.80%51.29%47.06%44.65%-1,805 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps