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O. F. Toalston

Logan, WV · Charter 6239

NCUA · 1 branch

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

O. F. Toalston

Logan, WV · Charter 6239

NCUA · 1 branch

Q3 2022

$478KAssets
$429KLoans
$370KShares
$72KNet 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 1.13%, down 162 bps year over year; NIM at 5.73%.
  • Asset quality: problem loans at 59.96% of loans (+5,946 bps YoY).
  • Capital: net worth / assets of 15.15%, up 38 bps from a year ago.
  • Funding: loans stand at 115.95% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

1.13%-162 bps YoY

Net Interest Margin (YTD, annualized)

5.73%-370 bps YoY

Efficiency Ratio (YTD, annualized)

80.22%+930 bps YoY

Net Worth / Assets

15.15%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets2.75%2.11%6.11%3.33%1.13%-162 bps
Return on Equity18.64%14.80%39.56%21.15%7.47%-1,117 bps
Net Interest Margin9.43%9.08%9.28%6.29%5.73%-370 bps
Efficiency Ratio70.92%76.94%34.16%47.14%80.22%+930 bps
Growth
Asset Growth (YoY)-12.19%2.04%0.88%3.26%4.30%+1,648 bps
Loan Growth (YoY)1.25%0.65%-2.72%-2.96%-3.05%-430 bps
Share Growth (YoY)-15.93%-5.12%-6.57%-4.53%-4.89%+1,105 bps
Asset Quality
Delinquent Loans / Loans0.50%3.75%0.79%0.82%59.96%+5,946 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.75%7.26%7.55%7.75%8.00%+24 bps
Capital
Risk-Based Capital14.78%14.28%15.44%15.73%15.15%+38 bps
Net Worth / Assets14.78%14.28%15.44%15.73%15.15%+38 bps
Liquidity & Funding
Loans / Shares113.76%121.98%115.64%116.37%115.95%+219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps