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Lima Superior Community

Lima, OH · Charter 9845

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Lima Superior Community

Lima, OH · Charter 9845

Q3 2015

$519.1MAssets
$332.2MLoans
$416.2MShares
$82.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.33%, up 10 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.41% of loans (+5 bps YoY).
  • Capital: net worth / assets of 15.87%, up 25 bps from a year ago.
  • Funding: loans stand at 79.80% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

1.33%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.32%-7 bps YoY

Efficiency Ratio (YTD, annualized)

67.20%-134 bps YoY

Net Worth / Assets

15.87%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.52%1.02%1.08%1.23%1.33%1.12%1.29%1.33%+10 bps
Return on Equity9.65%6.57%6.90%7.85%8.50%7.23%8.25%8.35%+51 bps
Net Interest Margin2.37%2.35%2.34%2.39%2.38%2.33%2.32%2.32%-7 bps
Efficiency Ratio66.10%72.17%71.14%68.53%66.49%70.89%67.71%67.20%-134 bps
Growth
Asset Growth (YoY)5.25%4.44%5.26%9.18%9.83%9.50%10.00%8.04%-114 bps
Loan Growth (YoY)12.24%11.29%8.78%8.63%10.07%12.01%14.73%13.67%+504 bps
Share Growth (YoY)4.94%3.80%5.33%4.94%4.87%7.03%7.81%9.68%+474 bps
Asset Quality
Delinquent Loans / Loans0.92%0.45%0.62%0.36%0.41%0.19%0.34%0.41%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.22%0.24%0.26%0.27%0.27%0.28%0.28%0.28%+1 bps
Capital
Risk-Based Capital15.77%15.46%15.64%15.62%15.69%15.46%15.64%15.87%+25 bps
Net Worth / Assets15.77%15.46%15.64%15.62%15.69%15.46%15.64%15.87%+25 bps
Liquidity & Funding
Loans / Shares75.85%72.74%73.69%77.00%79.61%76.12%78.42%79.80%+281 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps