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Tuscaloosa Federal Families

Tuscaloosa, AL · Charter 60485

NCUA · 3 branches

Q4 2017

$75.2MAssets
$47.5MLoans
$67.7MShares
$7.5MNet 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 0.55%, down 5 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.74% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.93%, up 23 bps from a year ago.
  • Funding: loans stand at 70.14% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.55%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-4 bps YoY

Efficiency Ratio (YTD, annualized)

84.83%+163 bps YoY

Net Worth / Assets

9.93%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.59%0.16%0.35%0.52%0.55%-5 bps
Return on Equity6.12%1.63%3.59%5.24%5.50%-62 bps
Net Interest Margin2.77%2.67%2.72%2.78%2.74%-4 bps
Efficiency Ratio83.20%92.62%88.88%85.64%84.83%+163 bps
Growth
Asset Growth (YoY)7.09%8.21%7.80%3.74%3.25%-384 bps
Loan Growth (YoY)3.61%1.33%-1.28%2.20%6.15%+254 bps
Share Growth (YoY)6.78%8.61%8.12%3.18%2.70%-409 bps
Asset Quality
Delinquent Loans / Loans0.70%0.75%0.98%0.63%0.74%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.39%0.34%0.33%0.31%-7 bps
Capital
Risk-Based Capital9.69%9.51%9.66%9.98%9.93%+23 bps
Net Worth / Assets9.69%9.51%9.66%9.98%9.93%+23 bps
Liquidity & Funding
Loans / Shares67.86%65.30%65.17%69.45%70.14%+228 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps