PackageTrendsPeer
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TRMC Employees

Orangeburg, SC · Charter 60803

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

TRMC Employees

Orangeburg, SC · Charter 60803

NCUA · 1 branch

Q4 2019

$5.0MAssets
$3.7MLoans
$3.9MShares
$1.1MNet 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 -3.23%, down 554 bps year over year; NIM at 7.98%.
  • Asset quality: problem loans at 3.46% of loans (+269 bps YoY).
  • Capital: net worth / assets of 21.43%, down 44 bps from a year ago.
  • Funding: loans stand at 96.47% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-3.23%-554 bps YoY

Net Interest Margin (YTD, annualized)

7.98%-285 bps YoY

Efficiency Ratio (YTD, annualized)

94.87%+3,678 bps YoY

Net Worth / Assets

21.43%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets2.31%2.60%0.75%-3.02%-3.23%-554 bps
Return on Equity10.55%11.73%3.29%-14.46%-15.08%-2,563 bps
Net Interest Margin10.83%9.73%9.26%7.16%7.98%-285 bps
Efficiency Ratio58.09%58.55%67.24%95.35%94.87%+3,678 bps
Growth
Asset Growth (YoY)1.35%0.95%-3.55%-9.30%-11.31%-1,266 bps
Loan Growth (YoY)-4.40%-4.92%-6.73%-14.66%-24.26%-1,986 bps
Share Growth (YoY)5.19%0.57%-2.57%-8.71%-9.38%-1,458 bps
Asset Quality
Delinquent Loans / Loans0.77%0.62%1.65%1.33%3.46%+269 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.61%2.94%2.64%3.72%4.48%+187 bps
Capital
Risk-Based Capital21.87%22.20%22.90%20.91%21.43%-44 bps
Net Worth / Assets21.87%22.20%22.90%20.91%21.43%-44 bps
Liquidity & Funding
Loans / Shares115.42%109.83%109.85%100.77%96.47%-1,895 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps