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Youngstown City Schools

Youngstown, OH · Charter 96812

NCUA · 1 branch

Q3 2023

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 2023, the quarter ended September 30, 2023, 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

Youngstown City Schools

Youngstown, OH · Charter 96812

NCUA · 1 branch

Q3 2023

$7.2MAssets
$3.3MLoans
$4.3MShares
$2.8MNet 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 -0.06%, up 15 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.63% of loans (-16 bps YoY).
  • Capital: net worth / assets of 39.77%, up 498 bps from a year ago.
  • Funding: loans stand at 77.16% of shares as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.06%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+75 bps YoY

Efficiency Ratio (YTD, annualized)

81.01%-1,512 bps YoY

Net Worth / Assets

39.77%+498 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.21%-0.26%-0.12%0.20%-0.06%+15 bps
Return on Equity-0.60%-0.70%-0.33%0.52%-0.15%+44 bps
Net Interest Margin2.36%2.53%2.64%2.88%3.11%+75 bps
Efficiency Ratio96.13%92.58%104.53%93.05%81.01%-1,512 bps
Growth
Asset Growth (YoY)-3.40%-3.43%-5.40%-9.77%-12.83%-943 bps
Loan Growth (YoY)16.96%13.88%14.04%-0.55%-7.26%-2,422 bps
Share Growth (YoY)-5.09%-4.94%-7.73%-14.93%-19.27%-1,418 bps
Asset Quality
Delinquent Loans / Loans0.79%1.56%0.77%0.83%0.63%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%1.05%0.14%0.15%1.20%+61 bps
Capital
Risk-Based Capital34.80%36.55%36.88%38.64%39.77%+498 bps
Net Worth / Assets34.80%36.55%36.88%38.64%39.77%+498 bps
Liquidity & Funding
Loans / Shares67.17%72.88%73.70%74.05%77.16%+999 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps