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Unocal Gulf Coast

Houston, TX · Charter 11420

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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 2026-10-10

Unocal Gulf Coast

Houston, TX · Charter 11420

Q4 2000

$15.1MAssets
$6.1MLoans
$12.8MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, down 356 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 2.38% of loans (+51 bps YoY).
  • Capital: net worth / assets of 14.73%.
  • Funding: loans stand at 47.50% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.37%-356 bps YoY

Net Interest Margin (YTD, annualized)

3.63%

Efficiency Ratio (YTD, annualized)

62.32%

Net Worth / Assets

14.73%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.39%4.75%4.97%4.93%4.71%1.15%1.06%1.37%-356 bps
Return on Equityn/an/an/an/an/an/an/a9.27%n/an/a
Net Interest Marginn/an/an/an/an/a2.81%3.10%3.63%n/a
Efficiency Ration/an/an/an/an/a54.11%67.59%62.32%n/a
Growth
Asset Growth (YoY)16.54%12.86%12.55%11.74%8.30%13.48%8.87%1.58%-1,016 bps
Loan Growth (YoY)7.17%2.79%18.30%20.09%18.27%27.05%3.17%-7.37%-2,747 bps
Share Growth (YoY)15.44%12.38%9.36%9.40%6.63%11.26%8.35%0.57%-883 bps
Asset Quality
Delinquent Loans / Loans0.79%1.00%0.62%1.87%1.08%1.10%0.56%2.38%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.22%1.21%1.14%1.81%1.30%1.23%1.20%1.35%-46 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a14.73%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a14.73%n/an/a
Liquidity & Funding
Loans / Shares44.05%45.27%49.26%51.57%48.86%51.69%46.90%47.50%-407 bps
Liquid Assets / Assets59.38%58.70%55.17%51.79%46.12%39.83%32.57%57.15%+535 bps