PackageTrendsPeer
Letter portraitLegal landscape

Corps of Engineers Employees

Fort Worth, TX · Charter 24473

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Corps of Engineers Employees

Fort Worth, TX · Charter 24473

Q3 2015

$41.1MAssets
$6.9MLoans
$36.4MShares
$4.7MNet 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 0.00%, up 1 bps year over year; NIM at 1.38%.
  • Asset quality: problem loans at 0.35% of loans (+35 bps YoY).
  • Capital: net worth / assets of 11.48%, down 2 bps from a year ago.
  • Funding: loans stand at 18.87% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.00%+1 bps YoY

Net Interest Margin (YTD, annualized)

1.38%-34 bps YoY

Efficiency Ratio (YTD, annualized)

100.97%+47 bps YoY

Net Worth / Assets

11.48%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.01%-0.43%0.00%0.00%0.00%+1 bps
Return on Equity-0.08%-3.82%0.02%0.04%0.00%+8 bps
Net Interest Margin1.72%1.67%1.40%1.38%1.38%-34 bps
Efficiency Ratio100.50%127.65%102.68%101.10%100.97%+47 bps
Growth
Asset Growth (YoY)-7.40%-9.74%-7.06%-2.91%-3.47%+393 bps
Loan Growth (YoY)-12.76%-12.79%-11.19%-17.18%-22.13%-937 bps
Share Growth (YoY)-8.24%-10.87%-8.27%-3.15%-3.34%+490 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.35%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.14%0.10%0.12%0.14%-25 bps
Capital
Risk-Based Capital11.50%11.17%11.28%11.23%11.48%-2 bps
Net Worth / Assets11.50%11.17%11.28%11.23%11.48%-2 bps
Liquidity & Funding
Loans / Shares23.43%22.64%22.39%20.49%18.87%-455 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps