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Texas Plains

Lubbock, TX · Charter 3987

NCUA · 7 branches

Q3 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: Q3 2016, the quarter ended September 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

Texas Plains

Lubbock, TX · Charter 3987

NCUA · 7 branches

Q3 2016

$245.4MAssets
$143.8MLoans
$194.2MShares
$34.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.63%, up 9 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.37% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.93%, down 67 bps from a year ago.
  • Funding: loans stand at 74.06% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

0.63%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-18 bps YoY

Efficiency Ratio (YTD, annualized)

83.55%+22 bps YoY

Net Worth / Assets

13.93%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.50%0.34%0.52%0.54%0.54%0.71%0.68%0.63%+9 bps
Return on Equity3.51%2.43%3.58%3.70%3.79%4.92%4.72%4.55%+84 bps
Net Interest Margin2.75%2.96%3.00%2.99%2.89%2.92%2.90%2.81%-18 bps
Efficiency Ratio84.22%83.82%82.86%83.34%83.57%81.37%82.41%83.55%+22 bps
Growth
Asset Growth (YoY)3.26%1.09%0.32%-0.63%3.66%1.66%4.31%9.23%+986 bps
Loan Growth (YoY)4.45%7.15%5.26%2.53%3.30%2.12%9.79%13.03%+1,051 bps
Share Growth (YoY)3.03%0.38%-0.03%-0.71%1.45%0.62%0.75%1.95%+266 bps
Asset Quality
Delinquent Loans / Loans0.96%0.62%0.31%0.30%0.16%0.57%0.46%0.37%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.56%0.52%0.52%0.48%0.48%0.47%0.43%-9 bps
Capital
Risk-Based Capital14.16%14.18%14.45%14.60%14.15%14.53%14.42%13.93%-67 bps
Net Worth / Assets14.16%14.18%14.45%14.60%14.15%14.53%14.42%13.93%-67 bps
Liquidity & Funding
Loans / Shares64.32%66.54%66.11%66.80%65.50%67.54%72.04%74.06%+726 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps