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Prairie View

Prairie View, TX · Charter 2077

NCUA · 1 branch

Q4 2021

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 2021, the quarter ended December 31, 2021, 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

Prairie View

Prairie View, TX · Charter 2077

NCUA · 1 branch

Q4 2021

$3.1MAssets
$1.2MLoans
$2.7MShares
$73KNet 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 -0.67%, up 679 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.69% of loans (+10 bps YoY).
  • Capital: net worth / assets of 2.33%, down 78 bps from a year ago.
  • Funding: loans stand at 44.01% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.67%+679 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-68 bps YoY

Efficiency Ratio (YTD, annualized)

110.99%-13,902 bps YoY

Net Worth / Assets

2.33%-78 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-7.46%1.39%0.51%-0.14%-0.67%+679 bps
Return on Equity-240%43.45%16.32%-4.80%-28.83%+21,115 bps
Net Interest Margin4.06%3.60%3.40%3.32%3.38%-68 bps
Efficiency Ratio250%61.45%92.24%100.99%110.99%-13,902 bps
Growth
Asset Growth (YoY)-21.74%-12.34%-11.29%0.35%3.71%+2,545 bps
Loan Growth (YoY)-10.74%-7.49%-2.85%-14.58%-13.18%-244 bps
Share Growth (YoY)-23.61%-18.24%-17.39%-4.54%-0.74%+2,287 bps
Asset Quality
Delinquent Loans / Loans0.59%0.56%0.57%0.62%0.69%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.96%1.22%0.90%0.77%0.87%-9 bps
Capital
Risk-Based Capital3.11%3.21%3.13%2.82%2.33%-78 bps
Net Worth / Assets3.11%3.21%3.13%2.82%2.33%-78 bps
Liquidity & Funding
Loans / Shares50.32%43.13%42.57%40.52%44.01%-630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps