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Pike Teachers

Troy, AL · Charter 63634

NCUA · 1 branch

Q4 2020

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 2020, the quarter ended December 31, 2020, 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

Pike Teachers

Troy, AL · Charter 63634

NCUA · 1 branch

Q4 2020

$6.7MAssets
$1.2MLoans
$6.6MShares
$846KNet 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 -3.30%, down 278 bps year over year; NIM at 1.14%.
  • Asset quality: problem loans at 10.11% of loans (+233 bps YoY).
  • Capital: net worth / assets of 12.59%, down 197 bps from a year ago.
  • Funding: loans stand at 17.69% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-3.30%-278 bps YoY

Net Interest Margin (YTD, annualized)

1.14%-24 bps YoY

Efficiency Ratio (YTD, annualized)

221%+8,535 bps YoY

Net Worth / Assets

12.59%-197 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets-0.52%-0.83%-0.67%-0.90%-3.30%-278 bps
Return on Equity-3.55%-5.74%-4.74%-6.55%-26.22%-2,267 bps
Net Interest Margin1.38%1.32%1.20%1.08%1.14%-24 bps
Efficiency Ratio135.16%161.39%154.17%179.99%221%+8,535 bps
Growth
Asset Growth (YoY)0.67%0.35%0.42%0.33%-8.38%-905 bps
Loan Growth (YoY)-9.55%-15.21%-18.84%-20.54%-33.50%-2,395 bps
Share Growth (YoY)1.41%1.17%1.47%1.27%5.42%+401 bps
Asset Quality
Delinquent Loans / Loans7.78%10.52%10.35%11.14%10.11%+233 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.28%3.48%2.72%2.66%13.16%+988 bps
Capital
Risk-Based Capital14.56%14.48%14.13%13.67%12.59%-197 bps
Net Worth / Assets14.56%14.48%14.13%13.67%12.59%-197 bps
Liquidity & Funding
Loans / Shares28.05%26.69%24.77%23.09%17.69%-1,035 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps