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Amoco East Texas

Longview, TX · Charter 3151

NCUA · 2 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

Amoco East Texas

Longview, TX · Charter 3151

NCUA · 2 branches

Q1 2017

$4.1MAssets
$3.2MLoans
$3.9MShares
$121KNet 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 -0.48%, down 37 bps year over year; NIM at 5.04%.
  • Asset quality: problem loans at 21.01% of loans (+776 bps YoY).
  • Capital: net worth / assets of 2.98%, down 734 bps from a year ago.
  • Funding: loans stand at 82.13% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.48%-37 bps YoY

Net Interest Margin (YTD, annualized)

5.04%+1 bps YoY

Efficiency Ratio (YTD, annualized)

109.83%+1,988 bps YoY

Net Worth / Assets

2.98%-734 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.11%-0.67%-8.56%-8.92%-0.48%-37 bps
Return on Equity-1.04%-6.70%-182.69%-294%-16.06%-1,502 bps
Net Interest Margin5.03%4.75%4.82%4.32%5.04%+1 bps
Efficiency Ratio89.94%94.81%102.98%133.50%109.83%+1,988 bps
Growth
Asset Growth (YoY)-11.68%-8.73%-10.57%-14.54%-15.39%-371 bps
Loan Growth (YoY)-10.28%-11.79%-10.20%-12.93%-17.99%-771 bps
Share Growth (YoY)-13.92%-6.03%-6.34%-7.13%-7.02%+690 bps
Asset Quality
Delinquent Loans / Loans13.24%14.24%17.23%19.71%21.01%+776 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.00%4.13%4.48%3.94%+348 bps
Capital
Risk-Based Capital10.33%9.93%4.68%3.03%2.98%-734 bps
Net Worth / Assets10.33%9.93%4.68%3.03%2.98%-734 bps
Liquidity & Funding
Loans / Shares93.12%89.41%90.35%89.24%82.13%-1,099 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps