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Tioga Area School Employees

Wellsboro, PA · Charter 23369

NCUA · 1 branch

Q1 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: Q1 2017, the quarter ended March 31, 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 2026-10-11

Tioga Area School Employees

Wellsboro, PA · Charter 23369

NCUA · 1 branch

Q1 2017

$5.6MAssets
$1.4MLoans
$5.2MShares
$418KNet 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 -1.69%, down 175 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 6.11% of loans (+470 bps YoY).
  • Capital: net worth / assets of 7.40%, down 40 bps from a year ago.
  • Funding: loans stand at 27.28% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.69%-175 bps YoY

Net Interest Margin (YTD, annualized)

1.66%0 bps YoY

Efficiency Ratio (YTD, annualized)

57.64%-3,918 bps YoY

Net Worth / Assets

7.40%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.06%-0.02%-0.18%-0.07%-1.69%-175 bps
Return on Equity0.72%-0.29%-2.21%-0.90%-22.86%-2,358 bps
Net Interest Margin1.66%1.69%1.78%1.72%1.66%0 bps
Efficiency Ratio96.82%100.79%96.28%94.37%57.64%-3,918 bps
Growth
Asset Growth (YoY)7.50%-1.07%-5.23%-0.12%-1.38%-889 bps
Loan Growth (YoY)-8.61%-10.59%-5.70%-4.72%-7.72%+89 bps
Share Growth (YoY)8.45%-0.90%-5.73%-0.02%-1.01%-946 bps
Asset Quality
Delinquent Loans / Loans1.41%3.53%4.02%6.88%6.11%+470 bps
Net Charge-Offs / Loans10.54%n/a13.03%n/an/an/a
Allowance / Loans0.99%0.98%1.01%1.01%1.56%+57 bps
Capital
Risk-Based Capital7.80%7.91%8.11%7.81%7.40%-40 bps
Net Worth / Assets7.80%7.91%8.11%7.81%7.40%-40 bps
Liquidity & Funding
Loans / Shares29.26%29.76%29.82%29.07%27.28%-198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps