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Towanda School Emp.

Towanda, PA · Charter 23509

NCUA · 2 branches

Q4 2021

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: Q4 2021, the quarter ended December 31, 2021, 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

Towanda School Emp.

Towanda, PA · Charter 23509

NCUA · 2 branches

Q4 2021

$395KAssets
$101KLoans
$327KShares
$68KNet 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 -0.95%, down 102 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 9.73% of loans (+355 bps YoY).
  • Capital: net worth / assets of 17.33%, up 112 bps from a year ago.
  • Funding: loans stand at 31.03% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.95%-102 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-61 bps YoY

Efficiency Ratio (YTD, annualized)

109.98%+3,098 bps YoY

Net Worth / Assets

17.33%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.07%-1.01%0.00%-0.60%-0.95%-102 bps
Return on Equity0.44%-6.77%-0.02%-3.65%-5.46%-590 bps
Net Interest Margin3.20%2.83%2.53%2.71%2.59%-61 bps
Efficiency Ratio78.99%115.12%88.65%102.51%109.98%+3,098 bps
Growth
Asset Growth (YoY)16.45%14.47%5.27%-5.69%-12.19%-2,864 bps
Loan Growth (YoY)-6.75%-19.50%-21.01%-31.88%-32.92%-2,618 bps
Share Growth (YoY)20.16%17.80%6.54%-6.07%-13.37%-3,353 bps
Asset Quality
Delinquent Loans / Loans6.18%7.95%6.46%7.05%9.73%+355 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.40%8.77%10.05%12.20%13.34%+594 bps
Capital
Risk-Based Capital16.21%14.94%14.81%16.40%17.33%+112 bps
Net Worth / Assets16.21%14.94%14.81%16.40%17.33%+112 bps
Liquidity & Funding
Loans / Shares40.08%33.17%28.98%29.32%31.03%-905 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps