PackageTrendsPeer
Letter portraitLegal landscape

Schlitz Employees

Longview, TX · Charter 21411

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Schlitz Employees

Longview, TX · Charter 21411

Q3 2010

$7.2MAssets
$2.7MLoans
$6.1MShares
$1.0MNet 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 -2.43%, down 141 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 1.20% of loans (-425 bps YoY).
  • Capital: net worth / assets of 14.50%, down 157 bps from a year ago.
  • Funding: loans stand at 44.37% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-2.43%-141 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+9 bps YoY

Efficiency Ratio (YTD, annualized)

106.47%+3,175 bps YoY

Net Worth / Assets

14.50%-157 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.01%-1.25%-1.22%-4.45%-2.43%-141 bps
Return on Equity-6.30%-7.94%-8.57%-31.69%-16.72%-1,043 bps
Net Interest Margin3.08%3.02%2.81%3.17%3.16%+9 bps
Efficiency Ratio74.72%77.41%90.61%169.84%106.47%+3,175 bps
Growth
Asset Growth (YoY)-6.91%-6.49%0.97%0.11%-6.46%+45 bps
Loan Growth (YoY)-24.50%-24.24%-28.48%-32.14%-37.99%-1,349 bps
Share Growth (YoY)-5.50%-4.47%2.70%2.57%-4.51%+98 bps
Asset Quality
Delinquent Loans / Loans5.45%11.15%7.50%2.08%1.20%-425 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.21%4.14%2.49%3.71%3.89%+69 bps
Capital
Risk-Based Capital16.07%15.78%14.23%14.03%14.50%-157 bps
Net Worth / Assets16.07%15.78%14.23%14.03%14.50%-157 bps
Liquidity & Funding
Loans / Shares68.32%65.72%52.19%49.19%44.37%-2,395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps