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Kingsville Area Educators

Kingsville, TX · Charter 15117

NCUA · 1 branch

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Kingsville Area Educators

Kingsville, TX · Charter 15117

NCUA · 1 branch

Q4 2018

$16.9MAssets
$5.7MLoans
$15.6MShares
$1.3MNet 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 0.18%, up 293 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 2.94% of loans (+163 bps YoY).
  • Capital: net worth / assets of 7.48%, up 60 bps from a year ago.
  • Funding: loans stand at 36.70% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.18%+293 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+19 bps YoY

Efficiency Ratio (YTD, annualized)

87.82%-3,048 bps YoY

Net Worth / Assets

7.48%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-2.75%0.38%-0.47%-0.09%0.18%+293 bps
Return on Equity-39.99%5.61%-7.32%-1.34%2.42%+4,241 bps
Net Interest Margin3.71%3.50%3.51%3.62%3.90%+19 bps
Efficiency Ratio118.30%97.52%94.41%90.83%87.82%-3,048 bps
Growth
Asset Growth (YoY)-12.61%-11.17%-5.57%-2.95%-5.75%+686 bps
Loan Growth (YoY)-2.60%0.03%-2.97%-2.80%-2.85%-25 bps
Share Growth (YoY)-11.70%-10.53%-5.42%-3.03%-5.90%+580 bps
Asset Quality
Delinquent Loans / Loans1.31%1.33%3.99%2.13%2.94%+163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.04%5.17%5.37%4.94%4.38%-166 bps
Capital
Risk-Based Capital6.88%6.81%6.42%6.77%7.48%+60 bps
Net Worth / Assets6.88%6.81%6.42%6.77%7.48%+60 bps
Liquidity & Funding
Loans / Shares35.55%34.00%32.66%33.57%36.70%+115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps