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Suntide

Corpus Christi, TX · Charter 24869

NCUA · 3 branches

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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

Suntide

Corpus Christi, TX · Charter 24869

NCUA · 3 branches

Q1 2017

$66.4MAssets
$44.8MLoans
$62.1MShares
$4.8MNet 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 -0.58%, up 457 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 1.86% of loans (-158 bps YoY).
  • Capital: net worth / assets of 7.26%, down 199 bps from a year ago.
  • Funding: loans stand at 72.12% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.58%+457 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-126 bps YoY

Efficiency Ratio (YTD, annualized)

86.86%+1,619 bps YoY

Net Worth / Assets

7.26%-199 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-5.15%-3.54%-3.62%-3.33%-0.58%+457 bps
Return on Equity-55.68%-37.06%-39.35%-36.36%-7.93%+4,775 bps
Net Interest Margin5.75%5.86%5.86%5.89%4.49%-126 bps
Efficiency Ratio70.67%70.47%67.42%67.92%86.86%+1,619 bps
Growth
Asset Growth (YoY)n/an/an/an/a-17.38%n/an/a
Loan Growth (YoY)n/an/an/an/a-25.93%n/an/a
Share Growth (YoY)n/an/an/an/a-14.30%n/an/a
Asset Quality
Delinquent Loans / Loans3.44%4.13%3.71%2.86%1.86%-158 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.06%5.24%5.57%5.41%4.69%-37 bps
Capital
Risk-Based Capital9.25%9.56%9.20%9.16%7.26%-199 bps
Net Worth / Assets9.25%9.56%9.20%9.16%7.26%-199 bps
Liquidity & Funding
Loans / Shares83.44%81.46%87.44%80.79%72.12%-1,132 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps