PackageTrendsPeer
Letter portraitLegal landscape

Tri-Town Teachers

Westport, CT · Charter 10213

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Tri-Town Teachers

Westport, CT · Charter 10213

NCUA · 1 branch

Q3 2022

$26.6MAssets
$15.0MLoans
$23.7MShares
$2.1MNet 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 0.17%, up 36 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 2.06% of loans (-365 bps YoY).
  • Capital: net worth / assets of 8.02%, up 25 bps from a year ago.
  • Funding: loans stand at 63.39% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.17%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.42%+18 bps YoY

Efficiency Ratio (YTD, annualized)

88.40%-1,032 bps YoY

Net Worth / Assets

8.02%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.18%-0.32%0.10%-0.10%0.17%+36 bps
Return on Equity-2.34%-4.36%1.29%-1.29%2.17%+451 bps
Net Interest Margin2.24%2.13%2.11%2.08%2.42%+18 bps
Efficiency Ratio98.72%104.22%89.36%95.72%88.40%-1,032 bps
Growth
Asset Growth (YoY)11.86%5.91%-0.94%0.37%-3.93%-1,579 bps
Loan Growth (YoY)-11.74%-16.43%-13.88%4.59%4.37%+1,612 bps
Share Growth (YoY)13.27%6.52%-0.94%0.80%-3.66%-1,693 bps
Asset Quality
Delinquent Loans / Loans5.71%6.25%2.10%1.84%2.06%-365 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.50%1.07%0.81%0.89%-43 bps
Capital
Risk-Based Capital7.77%7.43%7.56%7.46%8.02%+25 bps
Net Worth / Assets7.77%7.43%7.56%7.46%8.02%+25 bps
Liquidity & Funding
Loans / Shares58.51%54.55%53.44%60.53%63.39%+488 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps