PackageTrendsPeer
Letter portraitLegal landscape

Tasco Employees

Nampa, ID · Charter 8493

NCUA · 1 branch

Q4 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: Q4 2020, the quarter ended December 31, 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

Tasco Employees

Nampa, ID · Charter 8493

NCUA · 1 branch

Q4 2020

$1.3MAssets
$710KLoans
$1.2MShares
$72KNet 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 -7.79%, down 537 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 5.44% of loans (-117 bps YoY).
  • Capital: net worth / assets of 5.71%, down 809 bps from a year ago.
  • Funding: loans stand at 60.77% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-7.79%-537 bps YoY

Net Interest Margin (YTD, annualized)

5.12%-138 bps YoY

Efficiency Ratio (YTD, annualized)

123.98%+2,474 bps YoY

Net Worth / Assets

5.71%-809 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets-2.42%-6.33%-14.13%-11.45%-7.79%-537 bps
Return on Equity-17.54%-50.84%-201%-199.92%-136.46%-11,892 bps
Net Interest Margin6.49%5.59%5.61%5.37%5.12%-138 bps
Efficiency Ratio99.23%130.04%120.75%127.83%123.98%+2,474 bps
Growth
Asset Growth (YoY)-4.57%-9.41%-9.82%-12.92%2.19%+676 bps
Loan Growth (YoY)-4.21%-12.07%-24.67%-25.72%-20.90%-1,669 bps
Share Growth (YoY)-2.36%-6.50%-2.78%-4.17%10.85%+1,320 bps
Asset Quality
Delinquent Loans / Loans6.61%7.68%1.40%5.20%5.44%-117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.61%5.22%8.34%10.52%9.50%+589 bps
Capital
Risk-Based Capital13.80%12.46%7.03%5.73%5.71%-809 bps
Net Worth / Assets13.80%12.46%7.03%5.73%5.71%-809 bps
Liquidity & Funding
Loans / Shares85.16%82.63%65.63%61.49%60.77%-2,439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps