As of the first of the year, Johnny owns a home in the suburbs of Chicago valued at $250,306. He has personal assets worth $42,870 and other financial assets worth $70,860. Johnny saved $10,000 last year towards his stock and bond account (included in his financial assets). One year ago, Johnny's home was also valued at $250,306 and personal assets at $42,870, however Johnny's financial assets were quite a bit less $42,503. What was Johnny's ROA over the past year?