PackageTrendsPeer
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Lorain School Employees

Lorain, OH · Charter 96746

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

Lorain School Employees

Lorain, OH · Charter 96746

Q2 2014

$15.7MAssets
$4.3MLoans
$14.2MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -1.23%, down 133 bps year over year; NIM at 1.74%.
  • Asset quality: problem loans at 0.26% of loans (+26 bps YoY).
  • Capital: net worth / assets of 9.25%, down 13 bps from a year ago.
  • Funding: loans stand at 30.51% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

-1.23%-133 bps YoY

Net Interest Margin (YTD, annualized)

1.74%-30 bps YoY

Efficiency Ratio (YTD, annualized)

171.17%+8,839 bps YoY

Net Worth / Assets

9.25%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.47%0.06%0.08%0.10%0.18%0.28%0.03%-1.23%-133 bps
Return on Equity4.76%0.63%0.86%1.05%1.86%2.81%0.28%-13.29%-1,435 bps
Net Interest Margin2.40%2.42%2.19%2.03%2.02%2.05%1.84%1.74%-30 bps
Efficiency Ratio75.47%75.66%75.85%82.78%83.77%82.21%98.65%171.17%+8,839 bps
Growth
Asset Growth (YoY)3.18%1.72%1.58%0.49%1.17%1.55%-1.02%-2.63%-313 bps
Loan Growth (YoY)-5.09%-7.94%-10.30%-10.49%-12.29%-12.00%-10.26%-12.47%-198 bps
Share Growth (YoY)2.99%1.87%1.86%0.73%1.45%1.31%-1.54%-1.83%-256 bps
Asset Quality
Delinquent Loans / Loans1.48%1.92%0.76%0.00%0.06%0.59%0.09%0.26%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.08%3.01%3.00%3.11%3.24%3.33%3.51%3.67%+56 bps
Capital
Risk-Based Capital9.79%9.73%9.43%9.39%9.53%9.86%9.78%9.25%-13 bps
Net Worth / Assets9.79%9.73%9.43%9.39%9.53%9.86%9.78%9.25%-13 bps
Liquidity & Funding
Loans / Shares38.85%38.44%34.98%34.22%33.59%33.39%31.88%30.51%-371 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps