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Coastal Teachers

Port Lavaca, TX · Charter 10328

NCUA · 1 branch

Q1 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: Q1 2021, the quarter ended March 31, 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

Coastal Teachers

Port Lavaca, TX · Charter 10328

NCUA · 1 branch

Q1 2021

$4.6MAssets
$2.1MLoans
$4.2MShares
$430KNet 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 -0.56%, down 64 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 1.08% of loans (+24 bps YoY).
  • Capital: net worth / assets of 9.27%, up 119 bps from a year ago.
  • Funding: loans stand at 50.48% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.56%-64 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-73 bps YoY

Efficiency Ratio (YTD, annualized)

115.57%+1,761 bps YoY

Net Worth / Assets

9.27%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.08%-0.09%0.23%0.03%-0.56%-64 bps
Return on Equity0.93%-1.18%2.77%0.27%-6.05%-698 bps
Net Interest Margin3.12%2.98%2.94%3.30%2.39%-73 bps
Efficiency Ratio97.96%102.66%94.12%99.41%115.57%+1,761 bps
Growth
Asset Growth (YoY)-6.73%-0.71%-4.53%-15.05%-14.14%-741 bps
Loan Growth (YoY)-7.84%-13.20%-12.17%-19.73%-30.28%-2,244 bps
Share Growth (YoY)-7.34%-0.84%-5.31%-17.24%-15.50%-815 bps
Asset Quality
Delinquent Loans / Loans0.84%0.71%0.63%1.43%1.08%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.39%0.40%0.45%0.53%+16 bps
Capital
Risk-Based Capital8.08%7.84%8.25%9.47%9.27%+119 bps
Net Worth / Assets8.08%7.84%8.25%9.47%9.27%+119 bps
Liquidity & Funding
Loans / Shares61.19%56.18%57.16%59.68%50.48%-1,071 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps