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Tolna

Tolna, ND · Charter 68692

NCUA · 1 branch

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Tolna

Tolna, ND · Charter 68692

NCUA · 1 branch

Q4 2018

$1.2MAssets
$556KLoans
$1.1MShares
$130KNet Worth

Executive Summary

  • Earnings: ROA of -6.49%; NIM at -4.54%.
  • Asset quality: problem loans at 2.11% of loans.
  • Capital: net worth / assets of 10.89%.
  • Funding: loans stand at 52.02% of shares as of Q4 2018.

Return on Assets (YTD, annualized)

-6.49%

Net Interest Margin (YTD, annualized)

-4.54%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.89%

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.02%-0.32%-6.49%n/a
Return on Equity0.13%-2.11%-59.63%n/a
Net Interest Margin1.41%1.49%-4.54%n/a
Efficiency Ratio98.67%120.02%n/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans6.99%2.23%2.11%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans3.03%3.04%3.15%n/a
Capital
Risk-Based Capital14.69%15.37%10.89%n/a
Net Worth / Assets14.69%15.37%10.89%n/a
Liquidity & Funding
Loans / Shares47.78%51.12%52.02%n/a
Liquid Assets / Assets0.00%0.00%0.00%n/a