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Trustus

Midlothian, TX · Charter 24754

NCUA · 1 branch

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Trustus

Midlothian, TX · Charter 24754

NCUA · 1 branch

Q2 2016

$7.3MAssets
$4.0MLoans
$6.5MShares
$456KNet 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 -2.83%, down 222 bps year over year; NIM at 4.90%.
  • Asset quality: problem loans at 1.09% of loans (+49 bps YoY).
  • Capital: net worth / assets of 6.25%, down 129 bps from a year ago.
  • Funding: loans stand at 61.15% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.83%-222 bps YoY

Net Interest Margin (YTD, annualized)

4.90%+5 bps YoY

Efficiency Ratio (YTD, annualized)

129.22%+1,920 bps YoY

Net Worth / Assets

6.25%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.61%-0.78%-0.78%-2.29%-2.83%-222 bps
Return on Equity-8.05%-10.19%-10.42%-33.18%-45.22%-3,717 bps
Net Interest Margin4.85%5.10%5.04%4.78%4.90%+5 bps
Efficiency Ratio110.02%111.39%110.83%131.29%129.22%+1,920 bps
Growth
Asset Growth (YoY)-9.14%-14.94%-10.77%-7.76%-7.30%+185 bps
Loan Growth (YoY)-3.82%-2.23%-7.60%-6.09%-6.88%-306 bps
Share Growth (YoY)-8.51%-12.03%-6.87%-8.80%-10.31%-180 bps
Asset Quality
Delinquent Loans / Loans0.59%0.68%0.27%0.31%1.09%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.14%0.14%0.17%0.26%0.77%+63 bps
Capital
Risk-Based Capital7.54%7.69%7.54%6.89%6.25%-129 bps
Net Worth / Assets7.54%7.69%7.54%6.89%6.25%-129 bps
Liquidity & Funding
Loans / Shares58.90%59.69%58.89%60.35%61.15%+225 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps