PackageTrendsPeer
Letter portraitLegal landscape

Big Spring State Hospital

Big Spring, TX · Charter 14379

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

Big Spring State Hospital

Big Spring, TX · Charter 14379

Q2 2005

$1.5MAssets
$651KLoans
$928KShares
$546KNet 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 -3.30%, down 330 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 1.50% of loans (+38 bps YoY).
  • Capital: net worth / assets of 36.84%, up 511 bps from a year ago.
  • Funding: loans stand at 70.09% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-3.30%-330 bps YoY

Net Interest Margin (YTD, annualized)

4.34%-13 bps YoY

Efficiency Ratio (YTD, annualized)

153.73%+5,374 bps YoY

Net Worth / Assets

36.84%+511 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.00%-0.29%-0.53%-1.51%-3.30%-330 bps
Return on Equity0.00%-0.88%-1.56%-4.20%-8.96%-896 bps
Net Interest Margin4.47%4.43%4.57%4.35%4.34%-13 bps
Efficiency Ratio99.99%104.35%107.72%124.54%153.73%+5,374 bps
Growth
Asset Growth (YoY)-13.27%-14.67%-13.02%-17.15%-18.84%-556 bps
Loan Growth (YoY)-26.75%-19.66%-20.68%-23.39%-16.28%+1,047 bps
Share Growth (YoY)-17.55%-20.54%-18.05%-23.50%-24.76%-721 bps
Asset Quality
Delinquent Loans / Loans1.13%2.07%3.73%0.86%1.50%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.06%3.89%3.62%2.42%2.45%-161 bps
Capital
Risk-Based Capital31.73%32.95%34.29%36.02%36.84%+511 bps
Net Worth / Assets31.73%32.95%34.29%36.02%36.84%+511 bps
Liquidity & Funding
Loans / Shares62.99%69.70%70.11%66.15%70.09%+710 bps
Liquid Assets / Assets51.61%48.55%48.81%53.49%50.02%-159 bps