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Credit Union One

North Jackson, OH · Charter 96693

NCUA · 1 branch

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Credit Union One

North Jackson, OH · Charter 96693

NCUA · 1 branch

Q3 2017

$10.3MAssets
$2.5MLoans
$8.5MShares
$1.8MNet 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 -1.42%, down 140 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.94% of loans (+57 bps YoY).
  • Capital: net worth / assets of 17.01%, up 220 bps from a year ago.
  • Funding: loans stand at 29.88% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.42%-140 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+41 bps YoY

Efficiency Ratio (YTD, annualized)

124.12%+2,377 bps YoY

Net Worth / Assets

17.01%+220 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.02%0.04%-0.62%-0.66%-1.42%-140 bps
Return on Equity-0.13%0.25%-4.33%-4.37%-8.36%-823 bps
Net Interest Margin2.98%3.16%2.78%3.02%3.39%+41 bps
Efficiency Ratio100.36%99.34%112.41%112.98%124.12%+2,377 bps
Growth
Asset Growth (YoY)10.00%3.08%4.72%-4.27%-17.77%-2,777 bps
Loan Growth (YoY)-10.13%-9.87%-16.11%-16.93%-24.17%-1,403 bps
Share Growth (YoY)12.18%3.60%5.69%-4.66%-19.98%-3,215 bps
Asset Quality
Delinquent Loans / Loans1.37%0.89%1.32%0.69%1.94%+57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.88%1.74%1.32%0.66%0.71%-117 bps
Capital
Risk-Based Capital14.81%15.67%14.42%15.18%17.01%+220 bps
Net Worth / Assets14.81%15.67%14.42%15.18%17.01%+220 bps
Liquidity & Funding
Loans / Shares31.53%31.85%27.12%27.48%29.88%-165 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps