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McCracken County Teachers

Paducah, KY · Charter 12061

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

McCracken County Teachers

Paducah, KY · Charter 12061

Q3 2014

$7.8MAssets
$4.0MLoans
$6.7MShares
$1.0MNet 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 -0.13%, up 6 bps year over year; NIM at 2.13%.
  • Asset quality: problem loans at 0.14% of loans (-92 bps YoY).
  • Capital: net worth / assets of 13.09%, down 21 bps from a year ago.
  • Funding: loans stand at 59.57% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.13%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.13%-10 bps YoY

Efficiency Ratio (YTD, annualized)

110.21%+174 bps YoY

Net Worth / Assets

13.09%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.19%-0.33%-0.06%-0.08%-0.13%+6 bps
Return on Equity-1.40%-2.52%-0.49%-0.63%-0.96%+44 bps
Net Interest Margin2.23%2.20%2.22%2.09%2.13%-10 bps
Efficiency Ratio108.46%114.10%103.63%110.35%110.21%+174 bps
Growth
Asset Growth (YoY)-3.54%-2.51%-3.25%0.43%-0.56%+298 bps
Loan Growth (YoY)-3.96%-0.56%4.59%6.42%8.03%+1,199 bps
Share Growth (YoY)-3.81%-2.47%-3.40%0.83%-0.22%+359 bps
Asset Quality
Delinquent Loans / Loans1.06%0.00%0.00%0.10%0.14%-92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.66%0.65%0.51%0.50%-17 bps
Capital
Risk-Based Capital13.30%13.13%12.96%12.94%13.09%-21 bps
Net Worth / Assets13.30%13.13%12.96%12.94%13.09%-21 bps
Liquidity & Funding
Loans / Shares55.02%56.10%56.32%57.63%59.57%+455 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps