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Sugardale Employees

Canton, OH · Charter 96793

NCUA · 3 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

Sugardale Employees

Canton, OH · Charter 96793

NCUA · 3 branches

Q4 2018

$4.0MAssets
$1.3MLoans
$3.7MShares
$292KNet 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 -1.29%, down 129 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (-160 bps YoY).
  • Capital: net worth / assets of 7.37%, down 148 bps from a year ago.
  • Funding: loans stand at 34.35% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.29%-129 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-16 bps YoY

Efficiency Ratio (YTD, annualized)

98.39%+450 bps YoY

Net Worth / Assets

7.37%-148 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.00%-0.01%-4.01%-3.15%-1.29%-129 bps
Return on Equity0.02%-0.07%-64.28%-52.87%-17.51%-1,753 bps
Net Interest Margin4.04%3.48%3.48%3.45%3.88%-16 bps
Efficiency Ratio93.88%100.15%104.62%104.39%98.39%+450 bps
Growth
Asset Growth (YoY)-3.36%1.31%1.39%4.59%2.14%+550 bps
Loan Growth (YoY)-21.83%-18.12%-21.35%-16.66%-16.39%+543 bps
Share Growth (YoY)-3.16%1.51%3.80%7.75%3.82%+698 bps
Asset Quality
Delinquent Loans / Loans1.60%1.76%0.38%0.00%0.00%-160 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.11%4.53%5.12%2.12%+177 bps
Capital
Risk-Based Capital8.85%8.41%6.24%5.96%7.37%-148 bps
Net Worth / Assets8.85%8.41%6.24%5.96%7.37%-148 bps
Liquidity & Funding
Loans / Shares42.65%38.08%33.22%33.15%34.35%-830 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps