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Tri-County Credit Union

Panguitch, UT · Charter 67131

NCUA · 1 branch

Q4 2021

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 2021, the quarter ended December 31, 2021, 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

Tri-County Credit Union

Panguitch, UT · Charter 67131

NCUA · 1 branch

Q4 2021

$52KAssets
$0KLoans
$0KShares
$52KNet Worth

Executive Summary

  • Earnings: ROA of 6.86%, up 730 bps year over year; NIM at 2.27%.
  • Capital: net worth / assets of 99.57%, up 7,567 bps from a year ago.

Return on Assets (YTD, annualized)

6.86%+730 bps YoY

Net Interest Margin (YTD, annualized)

2.27%+87 bps YoY

Efficiency Ratio (YTD, annualized)

54.42%-7,720 bps YoY

Net Worth / Assets

99.57%+7,567 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.00%0.02%0.03%-0.44%-2.36%-1.33%-1.11%6.86%+730 bps
Return on Equity0.00%0.07%0.12%-1.86%-8.78%-4.95%-4.01%6.89%+875 bps
Net Interest Margin1.73%1.60%1.52%1.39%1.04%0.80%1.03%2.27%+87 bps
Efficiency Ratio100.00%99.07%98.18%131.62%327%242%185.64%54.42%-7,720 bps
Growth
Asset Growth (YoY)-3.86%-0.62%-0.98%1.91%-3.96%-7.47%-13.88%-70.69%-7,259 bps
Loan Growth (YoY)-51.25%-50.84%-54.52%-55.43%-49.57%-61.26%-93.92%-100.00%-4,457 bps
Share Growth (YoY)0.08%4.59%2.69%5.57%-7.92%-11.97%-19.37%-100.00%-10,557 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans16.15%17.00%19.56%23.36%33.93%54.57%400%n/an/a
Capital
Risk-Based Capital23.91%23.18%23.41%23.90%26.90%26.82%27.78%99.57%+7,567 bps
Net Worth / Assets23.91%23.18%23.41%23.90%26.90%26.82%27.78%99.57%+7,567 bps
Liquidity & Funding
Loans / Shares25.92%23.51%19.80%16.63%14.20%10.35%1.49%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps