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C-E

Houston, TX · Charter 3833

NCUA · 2 branches

Q4 2021

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: Q4 2021, the quarter ended December 31, 2021, 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

C-E

Houston, TX · Charter 3833

NCUA · 2 branches

Q4 2021

$25.7MAssets
$12.1MLoans
$23.6MShares
$1.7MNet Worth

Executive Summary

  • Earnings: ROA of -0.39%, down 51 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 1.02% of loans (-9 bps YoY).
  • Capital: net worth / assets of 6.78%, down 72 bps from a year ago.
  • Funding: loans stand at 51.09% of shares as of Q4 2021.

Return on Assets (YTD, annualized)

-0.39%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-108 bps YoY

Efficiency Ratio (YTD, annualized)

97.52%+663 bps YoY

Net Worth / Assets

6.78%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-2.27%0.31%0.10%0.12%-0.31%-0.29%-0.28%-0.39%-51 bps
Return on Equity-29.65%4.13%1.35%1.58%-4.27%-4.08%-4.01%-5.71%-729 bps
Net Interest Margin4.94%4.05%3.92%3.67%2.84%2.74%2.67%2.59%-108 bps
Efficiency Ratio126.39%91.75%89.61%90.89%92.23%95.57%93.41%97.52%+663 bps
Growth
Asset Growth (YoY)-1.99%3.66%7.33%11.28%15.27%4.70%7.61%6.73%-455 bps
Loan Growth (YoY)-0.08%-6.55%-13.38%-20.63%-24.33%-16.98%-10.34%-4.73%+1,590 bps
Share Growth (YoY)2.06%3.42%8.43%13.26%15.08%6.04%8.03%7.06%-620 bps
Asset Quality
Delinquent Loans / Loans0.59%0.42%0.45%1.12%0.70%0.26%0.16%1.02%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.28%0.68%0.71%0.84%0.88%1.10%1.23%+52 bps
Capital
Risk-Based Capital7.67%7.59%7.63%7.49%7.19%7.21%7.06%6.78%-72 bps
Net Worth / Assets7.67%7.59%7.63%7.49%7.19%7.21%7.06%6.78%-72 bps
Liquidity & Funding
Loans / Shares78.29%67.69%63.35%57.41%51.48%53.00%52.58%51.09%-632 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps