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St. Gregory's

San Antonio, TX · Charter 10759

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

St. Gregory's

San Antonio, TX · Charter 10759

Q3 2004

$9.5MAssets
$6.6MLoans
$10.4MShares
$-938KNet 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 -36.19%, down 3,829 bps year over year; NIM at 5.56%.
  • Asset quality: problem loans at 7.85% of loans (+338 bps YoY).
  • Capital: net worth / assets of -9.83%, down 2,331 bps from a year ago.
  • Funding: loans stand at 64.03% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-36.19%-3,829 bps YoY

Net Interest Margin (YTD, annualized)

5.56%-93 bps YoY

Efficiency Ratio (YTD, annualized)

86.93%+3,634 bps YoY

Net Worth / Assets

-9.83%-2,331 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets2.10%1.00%-0.39%-7.95%-36.19%-3,829 bps
Return on Equity15.57%7.67%-2.98%-79.10%n/an/a
Net Interest Margin6.48%6.45%5.06%4.98%5.56%-93 bps
Efficiency Ratio50.58%54.25%69.25%77.06%86.93%+3,634 bps
Growth
Asset Growth (YoY)12.16%13.04%8.11%-4.51%-25.52%-3,768 bps
Loan Growth (YoY)12.76%4.43%-5.48%-18.14%-41.37%-5,413 bps
Share Growth (YoY)11.17%13.42%8.53%0.39%-5.96%-1,713 bps
Asset Quality
Delinquent Loans / Loans4.47%8.66%11.84%18.93%7.85%+338 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%1.03%1.12%1.66%6.74%+598 bps
Capital
Risk-Based Capital13.48%13.04%12.94%10.05%-9.83%-2,331 bps
Net Worth / Assets13.48%13.04%12.94%10.05%-9.83%-2,331 bps
Liquidity & Funding
Loans / Shares102.69%101.38%94.11%87.76%64.03%-3,866 bps
Liquid Assets / Assets8.66%8.51%14.43%16.17%28.59%+1,992 bps