Town and Country
Harlan, IA · Charter 65168 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
$32.9MAssets
$25.3MLoans
$31.1MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 48% of credit unions under $1B in assets (rank 924 of 1761).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1754 of 1761).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-4.80%
Rank 1,742 of 1,761
Net Interest Margin
3.55%
Rank 924 of 1,761
Efficiency Ratio
131.20%
Rank 1,721 of 1,754
Equity / Assets
4.36%
Rank 1,754 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.80% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,742 / 1,761 | | |
| Return on Equity | -110.15% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,751 / 1,761 | | |
| Net Interest Margin | 3.55% | 3.03% | 3.59% | 4.25% | Beats 48% | 924 / 1,761 | | |
| Efficiency Ratio | 131.20% | 68.95% | 77.94% | 87.14% | Beats 2% | 1,721 / 1,754 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.02% | 0.26% | 0.65% | 1.27% | Beats 8% | 1,616 / 1,757 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 4.36% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,754 / 1,761 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 4.36% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,754 / 1,761 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.36% | 56.21% | 73.13% | 85.64% | 65th pctl | 611 / 1,759 | | |
| Loans / Assets | 76.89% | 47.85% | 62.48% | 73.19% | 83rd pctl | 298 / 1,761 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |