PackageTrendsPeer
Letter portraitLegal landscape

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

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.

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.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.19%-0.03%0.04%0.07%-1.01%0.00%-0.60%-0.95%-102 bps
Return on Equity1.09%-0.22%0.24%0.44%-6.77%-0.02%-3.65%-5.46%-590 bps
Net Interest Margin3.85%3.32%3.36%3.20%2.83%2.53%2.71%2.59%-61 bps
Efficiency Ratio78.30%83.08%80.96%78.99%115.12%88.65%102.51%109.98%+3,098 bps
Growth
Asset Growth (YoY)-10.87%8.00%12.84%16.45%14.47%5.27%-5.69%-12.19%-2,864 bps
Loan Growth (YoY)-0.54%-4.60%-6.06%-6.75%-19.50%-21.01%-31.88%-32.92%-2,618 bps
Share Growth (YoY)-13.04%9.61%15.59%20.16%17.80%6.54%-6.07%-13.37%-3,353 bps
Asset Quality
Delinquent Loans / Loans1.59%1.45%6.37%6.18%7.95%6.46%7.05%9.73%+355 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.39%6.41%6.80%7.40%8.77%10.05%12.20%13.34%+594 bps
Capital
Risk-Based Capital17.34%15.82%16.06%16.21%14.94%14.81%16.40%17.33%+112 bps
Net Worth / Assets17.34%15.82%16.06%16.21%14.94%14.81%16.40%17.33%+112 bps
Liquidity & Funding
Loans / Shares48.54%39.09%40.42%40.08%33.17%28.98%29.32%31.03%-905 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps