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Letter portraitLegal landscapeQuarterYTD

Trumbull County Postal Employees

Warren, OH · Charter 63615

NCUA · 1 branch

Q2 2021

$982KAssets
$366KLoans
$835KShares
$139KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, up 1 bps year over year; NIM at 1.76%.
  • Asset quality: problem loans at 0.00% of loans (-314 bps YoY).
  • Capital: net worth / assets of 14.13%, up 119 bps from a year ago.
  • Funding: loans stand at 43.85% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

0.01%+1 bps YoY

Net Interest Margin (YTD, annualized)

1.76%-17 bps YoY

Efficiency Ratio (YTD, annualized)

99.45%-1,175 bps YoY

Net Worth / Assets

14.13%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.01%+1 bps
Return on Equity0.00%0.00%0.00%0.00%0.00%0.00%0.12%0.07%+7 bps
Net Interest Margin2.65%2.56%2.10%1.93%1.91%1.88%1.74%1.76%-17 bps
Efficiency Ratio99.98%121.56%119.69%111.19%106.47%125.32%99.08%99.45%-1,175 bps
Growth
Asset Growth (YoY)-2.28%-3.37%0.50%7.07%10.47%11.35%0.42%-8.39%-1,546 bps
Loan Growth (YoY)-18.50%-24.55%-8.68%-9.67%3.30%6.79%-7.97%-20.50%-1,084 bps
Share Growth (YoY)-2.60%-4.30%0.25%7.97%11.94%13.05%0.29%-10.00%-1,797 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%3.14%2.95%3.07%0.00%0.00%-314 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans16.05%15.82%15.37%14.76%13.89%13.18%11.57%12.98%-178 bps
Capital
Risk-Based Capital14.17%14.15%13.90%12.94%12.83%12.71%13.84%14.13%+119 bps
Net Worth / Assets14.17%14.15%13.90%12.94%12.83%12.71%13.84%14.13%+119 bps
Liquidity & Funding
Loans / Shares56.56%52.76%52.35%49.64%52.20%49.84%48.03%43.85%-579 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps