PackageTrendsPeer
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Terre Haute, IN · Charter 13869

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

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Terre Haute, IN · Charter 13869

Q1 2015

$9.8MAssets
$3.9MLoans
$8.9MShares
$844KNet Worth

Executive Summary

  • Earnings: ROA of -1.05%, down 78 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 1.35% of loans (+52 bps YoY).
  • Capital: net worth / assets of 8.60%, down 53 bps from a year ago.
  • Funding: loans stand at 43.33% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

-1.05%-78 bps YoY

Net Interest Margin (YTD, annualized)

2.27%-16 bps YoY

Efficiency Ratio (YTD, annualized)

133.32%+2,568 bps YoY

Net Worth / Assets

8.60%-53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.24%0.11%0.13%-0.27%0.07%0.07%0.07%-1.05%-78 bps
Return on Equity2.55%1.22%1.34%-2.94%0.72%0.76%0.79%-12.20%-926 bps
Net Interest Margin2.77%2.68%2.79%2.42%2.52%2.50%2.45%2.27%-16 bps
Efficiency Ratio95.44%98.09%97.56%107.64%99.90%99.41%99.18%133.32%+2,568 bps
Growth
Asset Growth (YoY)-2.75%1.99%-0.27%-1.81%-2.03%-2.82%4.78%4.62%+643 bps
Loan Growth (YoY)-4.45%-7.08%-6.52%-9.70%-7.36%-4.71%-5.65%-2.03%+768 bps
Share Growth (YoY)-3.21%2.09%-0.45%-1.92%-2.27%-3.22%5.27%5.14%+707 bps
Asset Quality
Delinquent Loans / Loans1.27%1.46%1.59%0.82%1.08%1.55%1.58%1.35%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.25%0.27%0.36%0.40%0.33%0.33%0.34%0.32%-8 bps
Capital
Risk-Based Capital9.28%9.09%9.59%9.13%9.52%9.45%9.22%8.60%-53 bps
Net Worth / Assets9.28%9.09%9.59%9.13%9.52%9.45%9.22%8.60%-53 bps
Liquidity & Funding
Loans / Shares51.17%49.08%51.65%46.51%48.50%48.32%46.29%43.33%-317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps