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United Methodist Financial Credit U

North Canton, OH · Charter 96699

NCUA · 4 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Canton-Massillon, OH area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Canton-Massillon, OH area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q1 2025peer median (50)

Asset Quality

80

Q2 2024Q1 2025peer median (50)

Profitability

9

Q2 2024Q1 2025peer median (50)

Liquidity

19

Q2 2024Q1 2025peer median

Efficiency

13

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

United Methodist Financial Credit U

North Canton, OH · Charter 96699

NCUA · 4 branches

Q1 2025

$79.6MAssets
$33.7MLoans
$70.7MShares
$11.3MNet 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 -0.06%, up 12 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.10% of loans (+3 bps YoY).
  • Capital: net worth / assets of 14.14%, up 19 bps from a year ago.
  • Funding: loans stand at 47.64% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.06%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+2 bps YoY

Efficiency Ratio (YTD, annualized)

101.00%-417 bps YoY

Net Worth / Assets

14.14%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-0.19%-0.19%-0.20%-0.32%-0.06%+12 bps
Return on Equity-1.33%-1.36%-1.38%-2.22%-0.46%+88 bps
Net Interest Margin2.12%2.13%2.20%2.15%2.14%+2 bps
Efficiency Ratio105.17%106.19%106.60%110.83%101.00%-417 bps
Growth
Asset Growth (YoY)-7.61%-6.09%-7.38%-6.68%-3.49%+412 bps
Loan Growth (YoY)-2.69%-5.72%-4.67%-3.53%-5.79%-309 bps
Share Growth (YoY)-10.98%-3.31%-5.78%-5.22%-1.54%+944 bps
Asset Quality
Delinquent Loans / Loans0.06%0.08%0.06%0.10%0.10%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.95%14.12%14.60%14.27%14.14%+19 bps
Net Worth / Assets13.95%14.12%14.60%14.27%14.14%+19 bps
Liquidity & Funding
Loans / Shares49.79%49.56%51.44%49.85%47.64%-215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Methodist Financial Credit U

North Canton, OH · Charter 96699 · Peer group: credit unions under $1B in assets in the Canton-Massillon, OH area (n=15)

NCUA · 4 branches

Q1 2025

$79.6MAssets
$33.7MLoans
$70.7MShares
$11.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in the Canton-Massillon, OH area (rank 4 of 15).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Canton-Massillon, OH area (rank 15 of 15).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-0.07%

Rank 13 of 15

Net Interest Margin

2.14%

Rank 15 of 15

Efficiency Ratio

101.01%

Rank 14 of 15

Equity / Assets

14.14%

Rank 5 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.07%0.29%0.59%0.77%Beats 13%13 / 15
Return on Equity-0.46%2.45%4.85%7.71%Beats 13%13 / 15
Net Interest Margin2.14%3.43%4.12%4.53%Beats 0%15 / 15
Efficiency Ratio101.01%70.71%81.79%93.07%Beats 13%14 / 15
Asset Quality
Nonperforming Loans / Loans0.10%0.10%0.55%1.14%Beats 80%4 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.14%9.96%11.62%14.41%Beats 67%5 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.14%9.96%11.65%14.41%Beats 67%5 / 15
Liquidity & Funding
Loans / Deposits47.64%49.19%65.72%76.68%13th pctl13 / 15
Loans / Assets42.30%43.03%57.36%65.59%13th pctl13 / 15
Brokered Deposits / Depositsn/aNot reported for this institution