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Montgomery Teachers

Montgomery, AL · Charter 14314

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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 2026-10-10

Montgomery Teachers

Montgomery, AL · Charter 14314

NCUA · 1 branch

Q3 2017

$14.0MAssets
$9.1MLoans
$13.5MShares
$257KNet 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 -5.08%, down 224 bps year over year; NIM at 5.98%.
  • Asset quality: problem loans at 3.67% of loans (-143 bps YoY).
  • Capital: net worth / assets of 1.84%, down 315 bps from a year ago.
  • Funding: loans stand at 67.25% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-5.08%-224 bps YoY

Net Interest Margin (YTD, annualized)

5.98%-28 bps YoY

Efficiency Ratio (YTD, annualized)

144.83%+3,090 bps YoY

Net Worth / Assets

1.84%-315 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-2.84%-2.17%-13.90%-7.10%-5.08%-224 bps
Return on Equity-57.04%-40.46%-626%-383%-276%-21,933 bps
Net Interest Margin6.26%6.56%3.65%4.81%5.98%-28 bps
Efficiency Ratio113.93%109.11%263%174.84%144.83%+3,090 bps
Growth
Asset Growth (YoY)-6.26%-8.84%-8.51%-8.34%-10.27%-401 bps
Loan Growth (YoY)-20.93%-15.46%-11.98%-8.87%-3.03%+1,790 bps
Share Growth (YoY)-2.25%-7.37%-6.86%-5.27%-7.48%-523 bps
Asset Quality
Delinquent Loans / Loans5.10%5.40%5.18%4.96%3.67%-143 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.20%4.03%3.07%3.52%2.93%-128 bps
Capital
Risk-Based Capital4.98%5.37%2.22%1.85%1.84%-315 bps
Net Worth / Assets4.98%5.37%2.22%1.85%1.84%-315 bps
Liquidity & Funding
Loans / Shares64.16%67.97%65.64%65.27%67.25%+309 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps