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Orange School Employees

Pepper Pike, OH · Charter 96765

NCUA · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Orange School Employees

Pepper Pike, OH · Charter 96765

NCUA · 1 branch

Q3 2021

$3.5MAssets
$797KLoans
$2.8MShares
$667KNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, up 54 bps year over year; NIM at 1.60%.
  • Asset quality: problem loans at 2.48% of loans (-106 bps YoY).
  • Capital: net worth / assets of 19.15%, up 201 bps from a year ago.
  • Funding: loans stand at 28.31% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

0.73%+54 bps YoY

Net Interest Margin (YTD, annualized)

1.60%-71 bps YoY

Efficiency Ratio (YTD, annualized)

134.98%+5,022 bps YoY

Net Worth / Assets

19.15%+201 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.45%0.18%0.28%0.20%0.17%0.28%0.06%0.73%+54 bps
Return on Equity2.54%0.99%1.60%1.16%0.98%1.69%0.40%3.84%+268 bps
Net Interest Margin2.87%2.59%2.40%2.31%2.23%1.78%1.60%1.60%-71 bps
Efficiency Ratio74.16%86.51%81.80%84.77%87.36%82.58%95.11%134.98%+5,022 bps
Growth
Asset Growth (YoY)10.29%2.86%7.77%4.39%3.99%10.75%9.44%-7.74%-1,213 bps
Loan Growth (YoY)-12.60%-9.42%-15.24%-11.20%-12.18%-17.90%-11.33%-20.80%-960 bps
Share Growth (YoY)12.10%2.93%8.95%4.89%4.55%12.82%11.32%-9.88%-1,478 bps
Asset Quality
Delinquent Loans / Loans7.18%7.07%6.23%3.54%2.63%2.31%1.95%2.48%-106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.79%4.98%5.12%5.30%4.68%5.02%5.08%1.48%-382 bps
Capital
Risk-Based Capital17.59%18.30%17.47%17.14%17.09%16.71%16.02%19.15%+201 bps
Net Worth / Assets17.59%18.30%17.47%17.14%17.09%16.71%16.02%19.15%+201 bps
Liquidity & Funding
Loans / Shares35.91%37.36%33.04%32.21%30.16%27.19%26.32%28.31%-390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps