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Community United

Strongsville, OH · Charter 97092

NCUA · 1 branch

Q1 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: Q1 2023, the quarter ended March 31, 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

Community United

Strongsville, OH · Charter 97092

NCUA · 1 branch

Q1 2023

$13.9MAssets
$7.7MLoans
$10.9MShares
$1.7MNet 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 0.12%, up 39 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.42% of loans (+27 bps YoY).
  • Capital: net worth / assets of 12.37%, down 40 bps from a year ago.
  • Funding: loans stand at 70.62% of shares as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

0.12%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+77 bps YoY

Efficiency Ratio (YTD, annualized)

89.91%-2,176 bps YoY

Net Worth / Assets

12.37%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.27%-0.10%0.07%0.08%0.12%+39 bps
Return on Equity-2.12%-0.74%0.56%0.60%0.98%+310 bps
Net Interest Margin1.88%2.06%2.28%2.41%2.65%+77 bps
Efficiency Ratio111.67%104.50%98.05%97.39%89.91%-2,176 bps
Growth
Asset Growth (YoY)1.88%1.48%0.61%5.86%4.67%+279 bps
Loan Growth (YoY)-16.77%-8.14%12.23%36.81%49.14%+6,590 bps
Share Growth (YoY)2.19%2.07%0.64%0.70%-5.24%-743 bps
Asset Quality
Delinquent Loans / Loans0.15%0.42%0.67%0.64%0.42%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.26%0.24%0.19%0.20%0.00%-26 bps
Capital
Risk-Based Capital12.77%13.07%13.30%12.97%12.37%-40 bps
Net Worth / Assets12.77%13.07%13.30%12.97%12.37%-40 bps
Liquidity & Funding
Loans / Shares44.87%46.68%56.74%68.08%70.62%+2,575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps