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Stone Tyler Employees

Tyler, TX · Charter 15112

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Stone Tyler Employees

Tyler, TX · Charter 15112

Q3 2014

$96KAssets
$4KLoans
$59KShares
$37KNet 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 -38.47%, down 3,168 bps year over year; NIM at -17.08%.
  • Asset quality: problem loans at 0.00% of loans (-132 bps YoY).
  • Capital: net worth / assets of 38.26%, down 720 bps from a year ago.
  • Funding: loans stand at 7.16% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-38.47%-3,168 bps YoY

Net Interest Margin (YTD, annualized)

-17.08%-2,130 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

38.26%-720 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-6.80%-7.83%-11.69%-12.24%-38.47%-3,168 bps
Return on Equity-14.95%-17.46%-21.44%-22.52%-100.56%-8,562 bps
Net Interest Margin4.22%4.12%3.10%2.74%-17.08%-2,130 bps
Efficiency Ratio261%268%477%546%n/an/a
Growth
Asset Growth (YoY)-23.17%-24.77%-28.87%-29.57%-35.86%-1,269 bps
Loan Growth (YoY)-41.72%-43.60%-57.04%-74.10%-91.72%-5,000 bps
Share Growth (YoY)-29.58%-31.45%-39.53%-40.17%-26.47%+310 bps
Asset Quality
Delinquent Loans / Loans1.32%0.40%0.00%20.22%0.00%-132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.75%5.59%8.13%14.29%26.62%+2,487 bps
Capital
Risk-Based Capital45.46%44.83%54.52%54.34%38.26%-720 bps
Net Worth / Assets45.46%44.83%54.52%54.34%38.26%-720 bps
Liquidity & Funding
Loans / Shares63.54%50.92%51.14%30.79%7.16%-5,638 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps