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Tallahassee-Leon

Tallahassee, FL · Charter 1316

NCUA · 3 branches

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

Tallahassee-Leon

Tallahassee, FL · Charter 1316

NCUA · 3 branches

Q3 2022

$79.0MAssets
$38.7MLoans
$70.1MShares
$8.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 62 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.53% of loans (+55 bps YoY).
  • Capital: net worth / assets of 11.26%, up 64 bps from a year ago.
  • Funding: loans stand at 55.23% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

0.50%-62 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+16 bps YoY

Efficiency Ratio (YTD, annualized)

77.94%+609 bps YoY

Net Worth / Assets

11.26%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.61%1.83%1.63%1.11%2.82%0.32%0.38%0.50%-62 bps
Return on Equity6.23%19.49%16.73%10.49%24.96%2.83%3.39%4.42%-606 bps
Net Interest Margin3.44%3.09%3.11%3.03%3.04%3.09%3.12%3.19%+16 bps
Efficiency Ratio80.59%65.82%66.31%71.85%54.86%83.16%81.42%77.94%+609 bps
Growth
Asset Growth (YoY)17.01%23.54%16.07%19.16%15.92%8.34%7.62%2.18%-1,699 bps
Loan Growth (YoY)1.24%3.05%4.19%5.92%6.32%6.30%8.65%13.98%+806 bps
Share Growth (YoY)18.19%24.81%16.46%17.44%14.57%7.80%6.29%2.99%-1,445 bps
Asset Quality
Delinquent Loans / Loans2.03%1.14%1.52%0.98%1.25%0.96%1.29%1.53%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%1.01%1.06%1.04%1.03%1.11%1.09%0.99%-5 bps
Capital
Risk-Based Capital9.84%9.38%9.73%10.62%11.28%11.17%11.17%11.26%+64 bps
Net Worth / Assets9.84%9.38%9.73%10.62%11.28%11.17%11.17%11.26%+64 bps
Liquidity & Funding
Loans / Shares55.24%49.92%50.57%49.91%51.26%49.22%51.69%55.23%+533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps