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York County Teachers

Sanford, ME · Charter 9508

NCUA · 6 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

York County Teachers

Sanford, ME · Charter 9508

NCUA · 6 branches

Q1 2019

$337.6MAssets
$281.1MLoans
$277.9MShares
$32.3MNet 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 0.61%, down 23 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.31% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.56%, up 27 bps from a year ago.
  • Funding: loans stand at 101.14% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.61%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+3 bps YoY

Efficiency Ratio (YTD, annualized)

81.41%+513 bps YoY

Net Worth / Assets

9.56%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.84%0.88%0.98%0.95%0.61%-23 bps
Return on Equity9.06%9.33%10.01%9.72%6.37%-269 bps
Net Interest Margin3.93%3.97%4.05%4.00%3.95%+3 bps
Efficiency Ratio76.28%76.06%75.04%75.41%81.41%+513 bps
Growth
Asset Growth (YoY)12.71%11.77%5.90%6.96%6.95%-577 bps
Loan Growth (YoY)19.05%16.20%12.08%9.22%6.91%-1,214 bps
Share Growth (YoY)14.08%12.15%7.34%6.28%6.57%-752 bps
Asset Quality
Delinquent Loans / Loans0.29%0.39%0.49%0.46%0.31%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.66%0.70%0.70%0.72%+10 bps
Capital
Risk-Based Capital9.29%9.43%9.79%9.79%9.56%+27 bps
Net Worth / Assets9.29%9.43%9.79%9.79%9.56%+27 bps
Liquidity & Funding
Loans / Shares100.81%102.55%106.22%106.93%101.14%+33 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps