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Tuffy

Kansas City, MO · Charter 64682

Q3 2003

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 2003, the quarter ended September 30, 2003, 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

Tuffy

Kansas City, MO · Charter 64682

Q3 2003

$1.9MAssets
$737KLoans
$1.8MShares
$150KNet 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 -3.88%, down 339 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 12.61% of loans (+685 bps YoY).
  • Capital: net worth / assets of 7.80%, down 237 bps from a year ago.
  • Funding: loans stand at 41.63% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-3.88%-339 bps YoY

Net Interest Margin (YTD, annualized)

4.57%-101 bps YoY

Efficiency Ratio (YTD, annualized)

131.74%+3,888 bps YoY

Net Worth / Assets

7.80%-237 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-0.49%-1.84%-4.25%-4.95%-3.88%-339 bps
Return on Equity-4.80%-20.38%-49.50%-64.10%-49.68%-4,488 bps
Net Interest Margin5.57%5.67%4.25%4.46%4.57%-101 bps
Efficiency Ratio92.86%94.15%136.61%134.05%131.74%+3,888 bps
Growth
Asset Growth (YoY)-10.83%-9.23%-20.24%-15.45%-18.29%-746 bps
Loan Growth (YoY)-50.53%-54.16%-48.66%-38.73%-35.62%+1,492 bps
Share Growth (YoY)-11.64%-8.90%-19.81%-13.13%-16.13%-449 bps
Asset Quality
Delinquent Loans / Loans5.76%7.53%10.31%12.98%12.61%+685 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.20%3.56%4.65%6.04%4.99%+279 bps
Capital
Risk-Based Capital10.17%9.04%8.58%7.73%7.80%-237 bps
Net Worth / Assets10.17%9.04%8.58%7.73%7.80%-237 bps
Liquidity & Funding
Loans / Shares54.23%47.58%46.42%44.83%41.63%-1,260 bps
Liquid Assets / Assets49.76%55.45%56.50%58.09%50.12%+36 bps