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Kilgore Shell Employees

Kilgore, TX · Charter 1524

NCUA · 1 branch

Q3 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: Q3 2023, the quarter ended September 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

Kilgore Shell Employees

Kilgore, TX · Charter 1524

NCUA · 1 branch

Q3 2023

$1.6MAssets
$1.2MLoans
$1.2MShares
$355KNet 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 -1.83%, down 136 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 22.42%, up 680 bps from a year ago.
  • Funding: loans stand at 98.26% of shares as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

-1.83%-136 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+81 bps YoY

Efficiency Ratio (YTD, annualized)

144.78%+3,951 bps YoY

Net Worth / Assets

22.42%+680 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.47%-0.48%-3.52%-3.57%-1.83%-136 bps
Return on Equity-3.04%-2.78%-17.70%-17.09%-8.18%-515 bps
Net Interest Margin3.16%3.48%1.04%3.38%3.97%+81 bps
Efficiency Ratio105.26%106.96%415%167.17%144.78%+3,951 bps
Growth
Asset Growth (YoY)3.63%-4.54%-21.50%-39.28%-34.69%-3,832 bps
Loan Growth (YoY)-1.33%5.45%6.50%-20.07%-20.21%-1,888 bps
Share Growth (YoY)5.18%-5.15%-24.47%-43.96%-40.20%-4,538 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.66%0.64%0.76%0.82%+13 bps
Capital
Risk-Based Capital15.62%17.20%19.89%20.92%22.42%+680 bps
Net Worth / Assets15.62%17.20%19.89%20.92%22.42%+680 bps
Liquidity & Funding
Loans / Shares73.64%82.43%105.41%102.68%98.26%+2,462 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps