PackageTrendsPeer
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Tri Ag

Radnor, PA · Charter 4570

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Tri Ag

Radnor, PA · Charter 4570

NCUA · 1 branch

Q4 2016

$1.7MAssets
$798KLoans
$1.5MShares
$219KNet Worth

Executive Summary

  • Earnings: ROA of 0.00%, down 31 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 2.56% of loans (+107 bps YoY).
  • Capital: net worth / assets of 13.03%, down 32 bps from a year ago.
  • Funding: loans stand at 54.68% of shares as of Q4 2016.

Return on Assets (YTD, annualized)

0.00%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-9 bps YoY

Efficiency Ratio (YTD, annualized)

98.55%+323 bps YoY

Net Worth / Assets

13.03%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.09%0.10%0.33%0.31%0.23%0.17%-0.01%0.00%-31 bps
Return on Equity0.70%0.74%2.44%2.35%1.75%1.29%-0.11%0.00%-236 bps
Net Interest Margin3.92%4.00%4.00%3.97%4.15%4.09%3.93%3.89%-9 bps
Efficiency Ratio97.79%97.59%96.02%95.32%94.74%96.04%98.41%98.55%+323 bps
Growth
Asset Growth (YoY)0.96%-0.49%0.35%0.61%-0.68%3.75%4.38%2.42%+181 bps
Loan Growth (YoY)27.23%2.38%2.46%3.53%10.90%13.10%-9.77%-6.77%-1,030 bps
Share Growth (YoY)1.14%-0.73%0.07%0.30%-1.18%3.93%4.96%2.88%+258 bps
Asset Quality
Delinquent Loans / Loans0.00%0.11%0.90%1.49%2.36%3.73%2.32%2.56%+107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.46%2.61%2.02%2.02%2.00%2.09%2.39%1.30%-72 bps
Capital
Risk-Based Capital12.89%13.38%13.52%13.34%13.33%13.24%13.02%13.03%-32 bps
Net Worth / Assets12.89%13.38%13.52%13.34%13.33%13.24%13.02%13.03%-32 bps
Liquidity & Funding
Loans / Shares54.13%53.11%61.51%60.34%60.74%57.79%52.87%54.68%-566 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps