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Tuscarawas Schools

Dover, OH · Charter 61154

Q4 2014

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 2014, the quarter ended December 31, 2014, 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 2026-10-10

Tuscarawas Schools

Dover, OH · Charter 61154

Q4 2014

$14.7MAssets
$2.1MLoans
$13.2MShares
$1.3MNet 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 -1.94%, down 184 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 0.13% of loans (-21 bps YoY).
  • Capital: net worth / assets of 8.52%, down 245 bps from a year ago.
  • Funding: loans stand at 16.08% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.94%-184 bps YoY

Net Interest Margin (YTD, annualized)

1.55%-25 bps YoY

Efficiency Ratio (YTD, annualized)

179.90%+7,603 bps YoY

Net Worth / Assets

8.52%-245 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.10%-0.14%0.00%-0.39%-1.94%-184 bps
Return on Equity-0.90%-1.34%0.00%-3.83%-22.73%-2,183 bps
Net Interest Margin1.80%1.67%1.68%1.74%1.55%-25 bps
Efficiency Ratio103.87%105.85%97.81%113.37%179.90%+7,603 bps
Growth
Asset Growth (YoY)-1.41%3.37%3.85%5.94%4.95%+636 bps
Loan Growth (YoY)-13.07%-14.80%-10.36%-8.24%-12.31%+76 bps
Share Growth (YoY)-1.27%3.90%4.58%6.74%5.94%+721 bps
Asset Quality
Delinquent Loans / Loans0.34%0.28%1.49%0.18%0.13%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.40%0.28%0.46%1.18%+90 bps
Capital
Risk-Based Capital10.98%10.43%10.38%10.13%8.52%-245 bps
Net Worth / Assets10.98%10.43%10.38%10.13%8.52%-245 bps
Liquidity & Funding
Loans / Shares19.42%16.74%17.13%16.62%16.08%-335 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps