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Tin Mill Employees

Weirton, WV · Charter 8420

NCUA · 1 branch

Q2 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: Q2 2021, the quarter ended June 30, 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

Tin Mill Employees

Weirton, WV · Charter 8420

NCUA · 1 branch

Q2 2021

$20.4MAssets
$3.0MLoans
$16.5MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.40%, down 96 bps year over year; NIM at 1.47%.
  • Asset quality: problem loans at 0.14% of loans (-244 bps YoY).
  • Capital: net worth / assets of 18.94%, down 157 bps from a year ago.
  • Funding: loans stand at 17.88% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

-0.40%-96 bps YoY

Net Interest Margin (YTD, annualized)

1.47%-100 bps YoY

Efficiency Ratio (YTD, annualized)

115.68%+4,485 bps YoY

Net Worth / Assets

18.94%-157 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets1.02%1.02%0.94%0.56%0.26%0.04%-0.54%-0.40%-96 bps
Return on Equity4.75%4.68%4.31%2.75%1.27%0.19%-2.78%-2.10%-485 bps
Net Interest Margin2.97%2.98%2.77%2.48%2.33%2.19%1.63%1.47%-100 bps
Efficiency Ratio65.99%65.70%61.43%70.83%76.00%80.02%113.78%115.68%+4,485 bps
Growth
Asset Growth (YoY)1.73%1.92%1.39%7.26%8.79%9.72%10.71%5.91%-135 bps
Loan Growth (YoY)31.14%19.80%0.49%-13.20%-20.24%-25.83%-24.03%-32.98%-1,978 bps
Share Growth (YoY)0.92%1.09%0.39%8.12%10.61%12.20%14.11%7.99%-12 bps
Asset Quality
Delinquent Loans / Loans3.03%1.94%1.28%2.58%1.56%2.09%0.41%0.14%-244 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.69%0.57%0.82%0.70%0.95%0.81%0.47%-35 bps
Capital
Risk-Based Capital21.52%21.74%21.79%20.52%20.21%19.85%19.38%18.94%-157 bps
Net Worth / Assets21.52%21.74%21.79%20.52%20.21%19.85%19.38%18.94%-157 bps
Liquidity & Funding
Loans / Shares37.11%36.17%32.70%28.81%26.76%23.91%21.77%17.88%-1,093 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps