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Tarcana

Louisville, KY · Charter 61316

Q3 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: Q3 2014, the quarter ended September 30, 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 2026-10-11

Tarcana

Louisville, KY · Charter 61316

Q3 2014

$2.7MAssets
$1.1MLoans
$2.2MShares
$447KNet 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 -8.24%, down 698 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.15% of loans (-101 bps YoY).
  • Capital: net worth / assets of 16.62%, up 169 bps from a year ago.
  • Funding: loans stand at 50.17% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-8.24%-698 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+121 bps YoY

Efficiency Ratio (YTD, annualized)

233%+12,134 bps YoY

Net Worth / Assets

16.62%+169 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-1.26%-1.79%-2.83%-3.73%-8.24%-698 bps
Return on Equity-8.44%-12.11%-19.76%-19.67%-49.55%-4,111 bps
Net Interest Margin2.49%2.58%3.15%3.62%3.70%+121 bps
Efficiency Ratio111.66%113.40%143.77%132.04%233%+12,134 bps
Growth
Asset Growth (YoY)1.09%3.84%-7.37%-30.02%-38.15%-3,924 bps
Loan Growth (YoY)1.44%-4.24%4.19%-5.10%-12.38%-1,381 bps
Share Growth (YoY)3.20%6.93%-6.61%-32.75%-39.15%-4,234 bps
Asset Quality
Delinquent Loans / Loans1.16%0.00%0.23%0.94%0.15%-101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.19%2.32%2.46%3.33%3.77%+158 bps
Capital
Risk-Based Capital14.93%14.76%14.30%18.98%16.62%+169 bps
Net Worth / Assets14.93%14.76%14.30%18.98%16.62%+169 bps
Liquidity & Funding
Loans / Shares34.84%36.51%37.17%52.07%50.17%+1,533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps