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Union of Poles in America

Garfield Hts, OH · Charter 96800

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Union of Poles in America

Garfield Hts, OH · Charter 96800

NCUA · 1 branch

Q3 2019

$686KAssets
$349KLoans
$537KShares
$132KNet 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 0.34%, down 3 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 9.38% of loans (+632 bps YoY).
  • Capital: net worth / assets of 19.29%, up 191 bps from a year ago.
  • Funding: loans stand at 64.94% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.34%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+35 bps YoY

Efficiency Ratio (YTD, annualized)

88.45%+240 bps YoY

Net Worth / Assets

19.29%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.37%0.47%0.78%0.76%0.34%-3 bps
Return on Equity2.11%2.62%4.32%4.18%1.76%-35 bps
Net Interest Margin2.53%2.66%2.89%2.75%2.88%+35 bps
Efficiency Ratio86.04%83.05%73.49%73.02%88.45%+240 bps
Growth
Asset Growth (YoY)0.09%-4.24%-8.13%-5.20%-7.70%-779 bps
Loan Growth (YoY)0.47%-2.07%-2.80%-11.90%-14.20%-1,467 bps
Share Growth (YoY)-1.71%-7.16%-9.14%-7.47%-11.02%-932 bps
Asset Quality
Delinquent Loans / Loans3.06%2.76%2.52%2.56%9.38%+632 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.65%2.70%2.60%2.81%3.09%+44 bps
Capital
Risk-Based Capital17.38%17.74%18.07%18.21%19.29%+191 bps
Net Worth / Assets17.38%17.74%18.07%18.21%19.29%+191 bps
Liquidity & Funding
Loans / Shares67.34%67.12%70.43%65.53%64.94%-240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps