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Brazosport Teachers

Freeport, TX · Charter 5462

NCUA · 1 branch

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

Brazosport Teachers

Freeport, TX · Charter 5462

NCUA · 1 branch

Q1 2022

$47.1MAssets
$19.8MLoans
$38.4MShares
$8.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, up 75 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.03% of loans (-47 bps YoY).
  • Capital: net worth / assets of 17.99%, up 74 bps from a year ago.
  • Funding: loans stand at 51.53% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

1.17%+75 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-5 bps YoY

Efficiency Ratio (YTD, annualized)

71.89%-1,641 bps YoY

Net Worth / Assets

17.99%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.72%0.85%0.88%0.41%0.36%0.70%0.89%1.17%+75 bps
Return on Equity3.93%4.77%4.83%2.40%2.05%3.99%4.93%6.50%+409 bps
Net Interest Margin3.01%2.85%2.81%2.48%2.47%2.47%2.50%2.43%-5 bps
Efficiency Ratio79.51%75.50%75.58%88.30%84.98%79.85%78.74%71.89%-1,641 bps
Growth
Asset Growth (YoY)5.85%8.60%7.66%13.30%8.51%6.42%5.61%1.90%-1,140 bps
Loan Growth (YoY)-8.74%-12.32%-11.38%-8.72%-6.29%0.26%-1.42%0.45%+917 bps
Share Growth (YoY)6.21%9.06%6.41%14.76%10.34%6.61%7.43%1.36%-1,340 bps
Asset Quality
Delinquent Loans / Loans0.28%0.09%0.81%0.50%0.12%0.19%0.12%0.03%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.60%0.47%0.48%0.67%0.53%0.30%0.28%-20 bps
Capital
Risk-Based Capital18.22%17.88%18.13%17.24%17.48%17.55%18.05%17.99%+74 bps
Net Worth / Assets18.22%17.88%18.13%17.24%17.48%17.55%18.05%17.99%+74 bps
Liquidity & Funding
Loans / Shares60.14%55.69%57.84%51.99%51.08%52.37%53.08%51.53%-47 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps