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Howard County Employees

Big Spring, TX · Charter 14360

NCUA · 2 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Howard County Employees

Big Spring, TX · Charter 14360

NCUA · 2 branches

Q3 2016

$2.0MAssets
$791KLoans
$1.5MShares
$518KNet 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 -6.15%, down 650 bps year over year; NIM at -4.25%.
  • Asset quality: problem loans at 0.01% of loans (-10 bps YoY).
  • Capital: net worth / assets of 25.82%, down 504 bps from a year ago.
  • Funding: loans stand at 53.20% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-6.15%-650 bps YoY

Net Interest Margin (YTD, annualized)

-4.25%-630 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

25.82%-504 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.34%0.24%0.30%0.31%-6.15%-650 bps
Return on Equity1.12%0.79%0.96%1.02%-23.83%-2,495 bps
Net Interest Margin2.05%2.02%2.02%1.95%-4.25%-630 bps
Efficiency Ratio83.27%85.45%85.44%84.32%n/an/a
Growth
Asset Growth (YoY)1.44%2.23%-1.88%2.22%1.37%-7 bps
Loan Growth (YoY)-5.82%-0.51%-4.42%-2.72%-14.23%-840 bps
Share Growth (YoY)1.85%2.89%-3.04%2.87%8.94%+709 bps
Asset Quality
Delinquent Loans / Loans0.12%0.33%0.00%0.08%0.01%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.39%3.65%3.62%3.72%4.08%+69 bps
Capital
Risk-Based Capital30.86%30.73%31.19%30.23%25.82%-504 bps
Net Worth / Assets30.86%30.73%31.19%30.23%25.82%-504 bps
Liquidity & Funding
Loans / Shares67.57%64.38%66.16%61.30%53.20%-1,437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps