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Lakewood Fire Fighters

Lakewood, OH · Charter 96738

NCUA · 1 branch

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Lakewood Fire Fighters

Lakewood, OH · Charter 96738

NCUA · 1 branch

Q1 2020

$1.3MAssets
$262KLoans
$966KShares
$331KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 292 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 1.23% of loans (-389 bps YoY).
  • Capital: net worth / assets of 25.40%, down 71 bps from a year ago.
  • Funding: loans stand at 27.12% of shares as of Q1 2020.

Return on Assets (YTD, annualized)

0.01%-292 bps YoY

Net Interest Margin (YTD, annualized)

1.56%+42 bps YoY

Efficiency Ratio (YTD, annualized)

101.08%-1,550 bps YoY

Net Worth / Assets

25.40%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.00%-0.13%0.10%2.92%0.91%0.73%0.34%0.01%-292 bps
Return on Equity0.00%-0.56%0.41%11.19%3.53%2.91%1.34%0.03%-1,117 bps
Net Interest Margin0.94%1.04%1.01%1.14%0.97%1.10%0.89%1.56%+42 bps
Efficiency Ratio100.03%112.59%126.23%116.58%166.31%124.83%147.36%101.08%-1,550 bps
Growth
Asset Growth (YoY)-1.77%-9.55%-10.20%-12.93%-13.06%-4.58%-4.42%1.30%+1,423 bps
Loan Growth (YoY)-27.64%-26.29%-30.76%-28.26%-10.63%5.82%5.99%9.54%+3,780 bps
Share Growth (YoY)-2.89%-12.56%-13.06%-17.38%-17.24%-6.62%-6.21%2.29%+1,966 bps
Asset Quality
Delinquent Loans / Loans5.97%5.61%5.38%5.12%3.93%2.80%2.41%1.23%-389 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans13.52%13.72%13.38%10.45%9.45%8.10%9.02%9.54%-91 bps
Capital
Risk-Based Capital21.90%23.24%23.73%26.11%25.75%25.10%25.16%25.40%-71 bps
Net Worth / Assets21.90%23.24%23.73%26.11%25.75%25.10%25.16%25.40%-71 bps
Liquidity & Funding
Loans / Shares25.87%27.82%24.94%25.32%27.93%31.52%28.18%27.12%+180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps