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Communicating Arts

Cincinnati, OH · Charter 96690

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Communicating Arts

Cincinnati, OH · Charter 96690

Q1 2015

$57.6MAssets
$22.7MLoans
$50.1MShares
$7.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 50 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.96% of loans (-170 bps YoY).
  • Capital: net worth / assets of 12.31%, up 52 bps from a year ago.
  • Funding: loans stand at 45.34% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

0.52%+50 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-3 bps YoY

Efficiency Ratio (YTD, annualized)

86.75%-52 bps YoY

Net Worth / Assets

12.31%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.02%0.03%0.07%0.02%0.03%0.08%0.14%0.52%+50 bps
Return on Equity0.18%0.26%0.63%0.20%0.22%0.68%1.14%4.26%+406 bps
Net Interest Margin2.76%2.84%2.88%2.78%2.67%2.84%2.80%2.75%-3 bps
Efficiency Ratio91.93%90.10%89.93%87.26%86.43%86.35%87.55%86.75%-52 bps
Growth
Asset Growth (YoY)8.89%5.10%-2.05%-2.35%0.99%-3.73%-1.22%-2.14%+20 bps
Loan Growth (YoY)-3.04%-1.37%-4.80%-4.57%-4.30%-7.30%-7.76%-7.77%-320 bps
Share Growth (YoY)10.66%6.24%-0.57%-1.82%1.78%-2.61%-1.70%-2.29%-47 bps
Asset Quality
Delinquent Loans / Loans4.32%3.37%3.56%2.66%2.50%1.58%1.45%0.96%-170 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.44%1.70%1.69%1.52%1.71%1.23%1.28%1.19%-33 bps
Capital
Risk-Based Capital11.45%11.71%11.94%11.79%11.41%12.28%12.23%12.31%+52 bps
Net Worth / Assets11.45%11.71%11.94%11.79%11.41%12.28%12.23%12.31%+52 bps
Liquidity & Funding
Loans / Shares48.52%50.32%50.16%48.04%45.63%47.89%47.07%45.34%-269 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps