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H & H School Employees

Stinnett, TX · Charter 15961

NCUA · 2 branches

Q4 2022

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 2022, the quarter ended December 31, 2022, 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

H & H School Employees

Stinnett, TX · Charter 15961

NCUA · 2 branches

Q4 2022

$46.9MAssets
$19.2MLoans
$37.5MShares
$8.3MNet 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 -1.73%, down 230 bps year over year; NIM at 1.82%.
  • Asset quality: problem loans at 0.40% of loans (-8 bps YoY).
  • Capital: net worth / assets of 17.77%, down 140 bps from a year ago.
  • Funding: loans stand at 51.17% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.73%-230 bps YoY

Net Interest Margin (YTD, annualized)

1.82%-58 bps YoY

Efficiency Ratio (YTD, annualized)

158.17%+7,388 bps YoY

Net Worth / Assets

17.77%-140 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.58%-0.13%-0.01%-0.09%-1.73%-230 bps
Return on Equity3.00%-0.69%-0.08%-0.49%-9.73%-1,273 bps
Net Interest Margin2.40%2.23%2.27%2.31%1.82%-58 bps
Efficiency Ratio84.29%104.67%100.49%103.19%158.17%+7,388 bps
Growth
Asset Growth (YoY)1.64%2.02%0.32%-0.66%-1.68%-332 bps
Loan Growth (YoY)-1.16%-4.72%-1.70%-2.07%-4.10%-294 bps
Share Growth (YoY)1.48%2.25%0.24%-0.69%-2.20%-368 bps
Asset Quality
Delinquent Loans / Loans0.48%0.51%0.40%0.41%0.40%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.26%0.28%0.27%0.25%0.12%-14 bps
Capital
Risk-Based Capital19.17%18.64%18.81%19.01%17.77%-140 bps
Net Worth / Assets19.17%18.64%18.81%19.01%17.77%-140 bps
Liquidity & Funding
Loans / Shares52.18%48.38%49.99%49.79%51.17%-101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps