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Rutland Cty Teach & Municipal Emp

Rutland, VT · Charter 65165

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Rutland Cty Teach & Municipal Emp

Rutland, VT · Charter 65165

Q3 2013

$2.4MAssets
$1.0MLoans
$2.2MShares
$215KNet 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 -1.63%, down 41 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 2.26% of loans (-185 bps YoY).
  • Capital: net worth / assets of 8.80%, down 162 bps from a year ago.
  • Funding: loans stand at 46.36% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.63%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-25 bps YoY

Efficiency Ratio (YTD, annualized)

162.90%+1,997 bps YoY

Net Worth / Assets

8.80%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-1.22%-1.26%-1.97%-1.71%-1.63%-41 bps
Return on Equity-11.73%-12.23%-21.29%-19.69%-18.55%-682 bps
Net Interest Margin2.85%2.89%2.45%2.46%2.59%-25 bps
Efficiency Ratio142.93%143.53%180.44%169.52%162.90%+1,997 bps
Growth
Asset Growth (YoY)-4.27%-4.34%1.28%-1.01%1.73%+600 bps
Loan Growth (YoY)-6.23%-3.08%2.49%-2.70%-4.11%+212 bps
Share Growth (YoY)-3.19%-3.48%2.77%0.35%3.48%+666 bps
Asset Quality
Delinquent Loans / Loans4.11%3.10%2.18%1.80%2.26%-185 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.02%1.05%1.10%1.12%1.15%+12 bps
Capital
Risk-Based Capital10.42%10.31%9.25%8.68%8.80%-162 bps
Net Worth / Assets10.42%10.31%9.25%8.68%8.80%-162 bps
Liquidity & Funding
Loans / Shares50.03%50.64%45.42%44.32%46.36%-367 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps