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Telcom

Southfield, MI · Charter 62236

NCUA · 10 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Telcom

Southfield, MI · Charter 62236

NCUA · 10 branches

Q4 2018

$527.3MAssets
$382.2MLoans
$441.5MShares
$72.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, unchanged from a year ago; NIM at 3.06%.
  • Asset quality: problem loans at 0.29% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.82%, up 40 bps from a year ago.
  • Funding: loans stand at 86.56% of shares as of Q4 2018.

Return on Assets (YTD, annualized)

0.38%0 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+30 bps YoY

Efficiency Ratio (YTD, annualized)

88.45%+31 bps YoY

Net Worth / Assets

13.82%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.15%0.18%0.35%0.38%0.56%0.50%0.52%0.38%0 bps
Return on Equity1.19%1.35%2.55%2.83%4.23%3.78%3.78%2.75%-8 bps
Net Interest Margin2.52%2.60%2.76%2.76%2.77%2.84%2.96%3.06%+30 bps
Efficiency Ratio92.11%91.88%88.81%88.15%84.84%85.59%85.37%88.45%+31 bps
Growth
Asset Growth (YoY)6.82%5.23%3.05%2.25%1.67%1.46%1.26%-0.31%-255 bps
Loan Growth (YoY)10.43%10.04%13.11%10.24%6.22%5.24%6.18%8.82%-141 bps
Share Growth (YoY)7.68%5.64%2.73%2.15%1.31%0.96%0.71%-0.96%-311 bps
Asset Quality
Delinquent Loans / Loans0.26%0.16%0.18%0.22%0.23%0.23%0.25%0.29%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.58%0.57%0.55%0.55%0.56%0.56%0.54%0.52%-2 bps
Capital
Risk-Based Capital12.95%13.13%13.56%13.42%13.21%13.31%13.73%13.82%+40 bps
Net Worth / Assets12.95%13.13%13.56%13.42%13.21%13.31%13.73%13.82%+40 bps
Liquidity & Funding
Loans / Shares72.36%74.26%78.81%78.78%75.87%77.41%83.10%86.56%+778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps