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Paducah Teachers

Paducah, KY · Charter 11955

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

Paducah Teachers

Paducah, KY · Charter 11955

NCUA · 1 branch

Q3 2022

$9.2MAssets
$9.6MLoans
$9.9MShares
$-797KNet 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 -33.88%, down 3,340 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 6.61% of loans (+364 bps YoY).
  • Capital: net worth / assets of -8.70%, down 1,990 bps from a year ago.
  • Funding: loans stand at 97.17% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-33.88%-3,340 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+120 bps YoY

Efficiency Ratio (YTD, annualized)

152.96%+6,502 bps YoY

Net Worth / Assets

-8.70%-1,990 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.48%-0.06%-18.51%-35.83%-33.88%-3,340 bps
Return on Equity-4.27%-0.52%-283%n/an/an/a
Net Interest Margin3.61%3.71%3.27%4.39%4.80%+120 bps
Efficiency Ratio87.94%80.82%116.92%115.02%152.96%+6,502 bps
Growth
Asset Growth (YoY)11.10%13.67%9.14%-5.94%-31.07%-4,217 bps
Loan Growth (YoY)12.00%11.26%6.87%-7.92%-20.00%-3,200 bps
Share Growth (YoY)13.88%18.05%16.10%11.50%-15.64%-2,952 bps
Asset Quality
Delinquent Loans / Loans2.97%1.75%12.03%11.37%6.61%+364 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.03%0.84%5.03%10.92%9.28%+825 bps
Capital
Risk-Based Capital11.21%11.00%6.55%-5.24%-8.70%-1,990 bps
Net Worth / Assets11.21%11.00%6.55%-5.24%-8.70%-1,990 bps
Liquidity & Funding
Loans / Shares102.47%101.16%95.99%84.03%97.17%-530 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps