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Goodyear Employees

Akron, OH · Charter 96718

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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 2026-10-10

Goodyear Employees

Akron, OH · Charter 96718

NCUA · 1 branch

Q3 2022

$5.4MAssets
$2.8MLoans
$4.5MShares
$814KNet Worth

Executive Summary

  • Earnings: ROA of -2.00%, down 122 bps year over year; NIM at 2.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.17%, down 122 bps from a year ago.
  • Funding: loans stand at 61.73% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-2.00%-122 bps YoY

Net Interest Margin (YTD, annualized)

2.05%+21 bps YoY

Efficiency Ratio (YTD, annualized)

219%+8,480 bps YoY

Net Worth / Assets

15.17%-122 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.02%-0.39%-0.63%-0.77%-0.94%-0.93%0.28%-2.00%-122 bps
Return on Equity0.11%-2.27%-3.84%-4.71%-5.91%-5.85%1.76%-13.16%-845 bps
Net Interest Margin2.43%1.81%1.77%1.84%1.87%1.85%1.86%2.05%+21 bps
Efficiency Ratio109.26%126.51%134.14%134.48%142.16%178.97%89.24%219%+8,480 bps
Growth
Asset Growth (YoY)8.11%11.66%9.71%6.54%6.39%-0.49%-1.85%-3.86%-1,040 bps
Loan Growth (YoY)-18.46%-1.35%16.13%24.43%28.38%6.72%9.01%10.46%-1,397 bps
Share Growth (YoY)10.09%14.63%12.49%8.97%8.90%0.70%-1.68%-4.10%-1,307 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.07%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.95%0.72%0.72%0.79%0.79%0.66%0.66%0.60%-19 bps
Capital
Risk-Based Capital17.89%16.93%16.33%16.39%15.88%15.93%16.15%15.17%-122 bps
Net Worth / Assets17.89%16.93%16.33%16.39%15.88%15.93%16.15%15.17%-122 bps
Liquidity & Funding
Loans / Shares46.53%50.72%50.95%53.60%54.86%53.75%56.50%61.73%+814 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps