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Division 694 Motor Coach Emp

San Antonio, TX · Charter 2825

NCUA

Q1 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: Q1 2016, the quarter ended March 31, 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

Division 694 Motor Coach Emp

San Antonio, TX · Charter 2825

NCUA

Q1 2016

$2.9MAssets
$1.6MLoans
$2.5MShares
$410KNet 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 2.96%, up 341 bps year over year; NIM at 6.41%.
  • Asset quality: problem loans at 1.03% of loans (-145 bps YoY).
  • Capital: net worth / assets of 13.92%, down 326 bps from a year ago.
  • Funding: loans stand at 62.21% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

2.96%+341 bps YoY

Net Interest Margin (YTD, annualized)

6.41%+116 bps YoY

Efficiency Ratio (YTD, annualized)

56.98%-4,580 bps YoY

Net Worth / Assets

13.92%-326 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.44%-0.50%-1.39%-3.71%2.96%+341 bps
Return on Equity-2.58%-3.00%-8.88%-26.88%21.30%+2,389 bps
Net Interest Margin5.24%4.71%5.30%5.41%6.41%+116 bps
Efficiency Ratio102.78%105.54%121.04%136.00%56.98%-4,580 bps
Growth
Asset Growth (YoY)4.54%6.84%4.66%4.52%4.56%+2 bps
Loan Growth (YoY)0.53%2.74%4.17%16.22%29.68%+2,915 bps
Share Growth (YoY)8.21%9.20%6.26%10.16%8.30%+9 bps
Asset Quality
Delinquent Loans / Loans2.48%1.30%1.87%0.78%1.03%-145 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.14%1.91%2.82%4.86%4.41%+127 bps
Capital
Risk-Based Capital17.17%16.70%15.62%13.79%13.92%-326 bps
Net Worth / Assets17.17%16.70%15.62%13.79%13.92%-326 bps
Liquidity & Funding
Loans / Shares51.95%52.90%55.94%61.54%62.21%+1,025 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps