PackageTrendsPeer
Letter portraitLegal landscape

I & M Tanners Creek Employees

Lawrenceburg, IN · Charter 8815

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

I & M Tanners Creek Employees

Lawrenceburg, IN · Charter 8815

Q2 2014

$2.5MAssets
$572KLoans
$2.2MShares
$350KNet 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 -1.05%, down 37 bps year over year; NIM at 1.29%.
  • Asset quality: problem loans at 2.72% of loans (-210 bps YoY).
  • Capital: net worth / assets of 13.71%, up 192 bps from a year ago.
  • Funding: loans stand at 26.01% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-37 bps YoY

Net Interest Margin (YTD, annualized)

1.29%-34 bps YoY

Efficiency Ratio (YTD, annualized)

181.59%+4,126 bps YoY

Net Worth / Assets

13.71%+192 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-0.68%-0.63%-0.75%-0.21%-1.05%-37 bps
Return on Equity-5.73%-5.03%-6.00%-1.67%-7.67%-193 bps
Net Interest Margin1.63%1.65%1.62%1.20%1.29%-34 bps
Efficiency Ratio140.33%136.89%145.35%117.47%181.59%+4,126 bps
Growth
Asset Growth (YoY)-8.25%-13.77%-8.94%-13.68%-19.59%-1,134 bps
Loan Growth (YoY)-11.54%-14.11%-21.00%-22.72%-29.92%-1,838 bps
Share Growth (YoY)-8.30%-15.00%-9.29%-14.68%-21.21%-1,291 bps
Asset Quality
Delinquent Loans / Loans4.82%2.78%2.96%2.95%2.72%-210 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.18%0.19%0.18%0.44%-9 bps
Capital
Risk-Based Capital11.80%12.48%12.43%12.62%13.71%+192 bps
Net Worth / Assets11.80%12.48%12.43%12.62%13.71%+192 bps
Liquidity & Funding
Loans / Shares29.25%29.36%27.32%25.10%26.01%-323 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps