PackageTrendsPeer
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Tuscaloosa County

Tuscaloosa, AL · Charter 64464

NCUA · 1 branch

Q4 2023

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 2023, the quarter ended December 31, 2023, 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

Tuscaloosa County

Tuscaloosa, AL · Charter 64464

NCUA · 1 branch

Q4 2023

$12.0MAssets
$7.0MLoans
$8.3MShares
$446KNet 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 -1.97%, down 146 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 2.41% of loans (+165 bps YoY).
  • Capital: net worth / assets of 3.72%, down 194 bps from a year ago.
  • Funding: loans stand at 84.74% of shares as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

-1.97%-146 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-31 bps YoY

Efficiency Ratio (YTD, annualized)

138.38%+2,774 bps YoY

Net Worth / Assets

3.72%-194 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets-0.52%-0.22%-0.80%-2.51%-1.97%-146 bps
Return on Equity-9.14%-4.00%-13.17%-65.36%-53.11%-4,397 bps
Net Interest Margin3.62%3.45%3.24%3.34%3.31%-31 bps
Efficiency Ratio110.64%100.67%119.13%148.96%138.38%+2,774 bps
Growth
Asset Growth (YoY)8.53%3.54%5.40%-2.29%-2.56%-1,109 bps
Loan Growth (YoY)11.97%9.99%6.81%3.25%1.35%-1,062 bps
Share Growth (YoY)9.24%-0.23%3.32%-11.27%-28.37%-3,761 bps
Asset Quality
Delinquent Loans / Loans0.76%0.60%1.35%0.43%2.41%+165 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.00%0.00%0.00%0.00%-71 bps
Capital
Risk-Based Capital5.65%5.62%6.06%3.84%3.72%-194 bps
Net Worth / Assets5.65%5.62%6.06%3.84%3.72%-194 bps
Liquidity & Funding
Loans / Shares59.89%62.74%63.28%69.79%84.74%+2,485 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps