PackageTrendsPeer
Letter portraitLegal landscape

Trouvaille

Philadelphia, PA · Charter 24104

NCUA · 2 branches

Q3 2023

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 2023, the quarter ended September 30, 2023, 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

Trouvaille

Philadelphia, PA · Charter 24104

NCUA · 2 branches

Q3 2023

$2.5MAssets
$668KLoans
$2.1MShares
$330KNet 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 0.54%, up 2 bps year over year; NIM at 5.40%.
  • Asset quality: problem loans at 2.83% of loans (+2 bps YoY).
  • Capital: net worth / assets of 13.47%, up 259 bps from a year ago.
  • Funding: loans stand at 31.53% of shares as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

0.54%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.40%+219 bps YoY

Efficiency Ratio (YTD, annualized)

91.11%+441 bps YoY

Net Worth / Assets

13.47%+259 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.52%0.61%0.68%0.56%0.54%+2 bps
Return on Equity4.75%5.35%5.93%4.62%4.01%-73 bps
Net Interest Margin3.21%3.55%4.71%4.89%5.40%+219 bps
Efficiency Ratio86.71%84.91%91.65%88.86%91.11%+441 bps
Growth
Asset Growth (YoY)-6.07%-9.39%-5.91%-6.47%-15.13%-906 bps
Loan Growth (YoY)-5.45%-0.30%14.52%-13.71%0.11%+557 bps
Share Growth (YoY)-7.28%-10.98%-7.22%-7.75%-17.59%-1,030 bps
Asset Quality
Delinquent Loans / Loans2.81%3.58%0.91%1.37%2.83%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.29%4.33%2.35%2.97%3.11%-118 bps
Capital
Risk-Based Capital10.88%11.32%11.39%12.07%13.47%+259 bps
Net Worth / Assets10.88%11.32%11.39%12.07%13.47%+259 bps
Liquidity & Funding
Loans / Shares25.96%31.86%27.68%28.28%31.53%+558 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps