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Sugar Growers

Santa Rosa, TX · Charter 22187

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Sugar Growers

Santa Rosa, TX · Charter 22187

NCUA · 1 branch

Q3 2019

$2.2MAssets
$387KLoans
$1.2MShares
$983KNet 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 1.45%, up 42 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (-474 bps YoY).
  • Capital: net worth / assets of 44.18%, up 97 bps from a year ago.
  • Funding: loans stand at 31.14% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.45%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+45 bps YoY

Efficiency Ratio (YTD, annualized)

77.44%+413 bps YoY

Net Worth / Assets

44.18%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.03%0.63%2.06%1.71%1.45%+42 bps
Return on Equity2.37%1.52%5.05%3.98%3.28%+91 bps
Net Interest Margin2.96%3.02%3.21%3.25%3.41%+45 bps
Efficiency Ratio73.31%65.09%64.03%68.81%77.44%+413 bps
Growth
Asset Growth (YoY)-2.72%-2.67%1.42%-2.70%0.01%+273 bps
Loan Growth (YoY)-3.10%0.46%-11.70%-22.24%-30.06%-2,696 bps
Share Growth (YoY)-6.73%-5.42%0.95%-5.42%-1.34%+539 bps
Asset Quality
Delinquent Loans / Loans4.74%0.00%0.00%0.00%0.00%-474 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.81%5.09%5.55%5.37%5.77%+196 bps
Capital
Risk-Based Capital43.21%41.39%40.78%43.03%44.18%+97 bps
Net Worth / Assets43.21%41.39%40.78%43.03%44.18%+97 bps
Liquidity & Funding
Loans / Shares43.93%39.68%30.50%34.32%31.14%-1,279 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps