PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trico Educational

Helena, MT · Charter 9809

Q4 2015

$24.5MAssets
$15.3MLoans
$22.3MShares
$2.0MNet 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 0.42%, up 9 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.14% of loans (+25 bps YoY).
  • Capital: net worth / assets of 8.04%, down 10 bps from a year ago.
  • Funding: loans stand at 68.42% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.42%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-2 bps YoY

Efficiency Ratio (YTD, annualized)

87.51%+173 bps YoY

Net Worth / Assets

8.04%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.33%0.63%0.58%0.64%0.42%+9 bps
Return on Equity4.03%7.74%7.07%7.67%5.22%+119 bps
Net Interest Margin3.41%3.36%3.38%3.44%3.39%-2 bps
Efficiency Ratio85.78%80.95%84.48%83.56%87.51%+173 bps
Growth
Asset Growth (YoY)5.79%4.24%3.69%5.09%6.70%+91 bps
Loan Growth (YoY)4.04%6.94%5.24%9.08%10.40%+636 bps
Share Growth (YoY)5.90%5.15%2.69%5.51%6.63%+73 bps
Asset Quality
Delinquent Loans / Loans0.89%0.40%0.78%1.01%1.14%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.38%0.52%0.44%0.46%-15 bps
Capital
Risk-Based Capital8.14%8.13%8.21%8.36%8.04%-10 bps
Net Worth / Assets8.14%8.13%8.21%8.36%8.04%-10 bps
Liquidity & Funding
Loans / Shares66.09%66.41%68.93%70.94%68.42%+234 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps