PackageTrendsPeer
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Sugar Land Employees

Sugar Land, TX · Charter 4642

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Sugar Land Employees

Sugar Land, TX · Charter 4642

Q3 2014

$6.7MAssets
$2.5MLoans
$6.2MShares
$487KNet 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 -1.21%, down 1 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY).
  • Capital: net worth / assets of 7.27%, down 113 bps from a year ago.
  • Funding: loans stand at 40.41% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.21%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+10 bps YoY

Efficiency Ratio (YTD, annualized)

139.23%-542 bps YoY

Net Worth / Assets

7.27%-113 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-1.20%-1.15%-1.22%-1.17%-1.21%-1 bps
Return on Equity-14.30%-14.27%-15.71%-15.52%-16.61%-231 bps
Net Interest Margin2.30%2.30%2.30%2.34%2.40%+10 bps
Efficiency Ratio144.65%139.30%143.76%140.70%139.23%-542 bps
Growth
Asset Growth (YoY)-2.39%1.11%-2.91%-3.12%-0.46%+194 bps
Loan Growth (YoY)14.72%25.22%44.01%51.29%36.25%+2,153 bps
Share Growth (YoY)-1.45%1.56%-1.65%-1.70%0.66%+211 bps
Asset Quality
Delinquent Loans / Loans0.07%0.06%0.16%0.05%0.05%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.37%0.38%0.26%0.38%0 bps
Capital
Risk-Based Capital8.40%8.09%7.76%7.56%7.27%-113 bps
Net Worth / Assets8.40%8.09%7.76%7.56%7.27%-113 bps
Liquidity & Funding
Loans / Shares29.85%31.77%36.16%38.22%40.41%+1,055 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps