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Three Rivers

Bainbridge, GA · Charter 67913

NCUA · 1 branch

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

Three Rivers

Bainbridge, GA · Charter 67913

NCUA · 1 branch

Q2 2020

$12.6MAssets
$4.4MLoans
$11.2MShares
$1.3MNet 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 -3.78%, down 367 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 3.00% of loans (+39 bps YoY).
  • Capital: net worth / assets of 10.28%, down 331 bps from a year ago.
  • Funding: loans stand at 39.55% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

-3.78%-367 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-93 bps YoY

Efficiency Ratio (YTD, annualized)

168.62%+6,707 bps YoY

Net Worth / Assets

10.28%-331 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets-0.11%-0.32%-0.41%-1.14%-3.78%-367 bps
Return on Equity-0.79%-2.26%-2.95%-8.50%-36.77%-3,599 bps
Net Interest Margin3.91%3.78%3.77%3.42%2.98%-93 bps
Efficiency Ratio101.55%104.63%106.05%117.92%168.62%+6,707 bps
Growth
Asset Growth (YoY)-18.64%-18.67%-21.91%-12.35%8.92%+2,755 bps
Loan Growth (YoY)-20.73%-18.29%-9.38%-6.99%-13.35%+738 bps
Share Growth (YoY)-20.83%-18.31%-22.99%-11.03%16.14%+3,697 bps
Asset Quality
Delinquent Loans / Loans2.61%3.26%3.93%5.29%3.00%+39 bps
Net Charge-Offs / Loansn/a0.33%0.34%0.33%n/an/a
Allowance / Loans3.53%3.47%3.41%3.55%2.69%-84 bps
Capital
Risk-Based Capital13.59%13.99%13.98%13.43%10.28%-331 bps
Net Worth / Assets13.59%13.99%13.98%13.43%10.28%-331 bps
Liquidity & Funding
Loans / Shares53.02%52.72%53.18%50.23%39.55%-1,346 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps