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Sweeny Teachers

Sweeny, TX · Charter 11773

NCUA · 1 branch

Q2 2023

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: Q2 2023, the quarter ended June 30, 2023, 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

Sweeny Teachers

Sweeny, TX · Charter 11773

NCUA · 1 branch

Q2 2023

$2.4MAssets
$1.1MLoans
$2.2MShares
$238KNet Worth

Executive Summary

  • Earnings: ROA of -1.74%, down 67 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 1.57% of loans (+157 bps YoY).
  • Capital: net worth / assets of 9.97%, down 130 bps from a year ago.
  • Funding: loans stand at 53.29% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

-1.74%-67 bps YoY

Net Interest Margin (YTD, annualized)

4.46%+159 bps YoY

Efficiency Ratio (YTD, annualized)

135.05%+812 bps YoY

Net Worth / Assets

9.97%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-0.81%-1.19%-2.18%-1.07%-0.91%-1.25%-0.52%-1.74%-67 bps
Return on Equity-6.58%-9.78%-17.79%-9.50%-8.82%-12.67%-5.00%-17.49%-799 bps
Net Interest Margin3.17%3.24%3.24%2.87%2.72%2.96%4.33%4.46%+159 bps
Efficiency Ratio119.55%129.40%164.22%126.93%124.30%132.84%111.20%135.05%+812 bps
Growth
Asset Growth (YoY)6.32%11.16%0.72%4.83%7.20%9.32%8.90%-3.32%-816 bps
Loan Growth (YoY)-15.77%0.53%3.40%-6.03%-5.80%-4.00%5.39%6.67%+1,270 bps
Share Growth (YoY)6.40%14.71%2.44%5.00%12.05%12.86%10.46%0.19%-481 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%1.05%0.00%0.11%1.57%+157 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.56%0.61%0.65%0.71%0.69%0.71%0.78%+12 bps
Capital
Risk-Based Capital12.30%12.12%12.26%11.27%10.29%9.84%10.30%9.97%-130 bps
Net Worth / Assets12.30%12.12%12.26%11.27%10.29%9.84%10.30%9.97%-130 bps
Liquidity & Funding
Loans / Shares53.87%59.91%57.44%50.05%45.29%50.96%54.80%53.29%+324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps