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Texas

Dallas, TX · Charter 5497

NCUA · 3 branches

Q3 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: Q3 2021, the quarter ended September 30, 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

Texas

Dallas, TX · Charter 5497

NCUA · 3 branches

Q3 2021

$61.9MAssets
$21.0MLoans
$57.8MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.32%, down 35 bps year over year; NIM at 1.84%.
  • Asset quality: problem loans at 0.08% of loans (-9 bps YoY).
  • Capital: net worth / assets of 5.79%, down 43 bps from a year ago.
  • Funding: loans stand at 36.23% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

-0.32%-35 bps YoY

Net Interest Margin (YTD, annualized)

1.84%-76 bps YoY

Efficiency Ratio (YTD, annualized)

107.66%+1,222 bps YoY

Net Worth / Assets

5.79%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.39%0.02%-0.16%0.03%-0.02%-0.05%0.05%-0.32%-35 bps
Return on Equity5.92%0.37%-2.60%0.48%-0.38%-0.84%0.86%-5.59%-607 bps
Net Interest Margin3.23%3.01%2.69%2.59%2.41%1.89%1.85%1.84%-76 bps
Efficiency Ratio90.49%95.83%102.22%95.44%96.90%101.32%98.68%107.66%+1,222 bps
Growth
Asset Growth (YoY)-1.80%-0.12%5.85%7.69%9.66%10.44%3.83%2.32%-537 bps
Loan Growth (YoY)-2.22%-0.78%-3.99%-6.88%-12.67%-19.51%-23.43%-23.96%-1,709 bps
Share Growth (YoY)-2.42%0.02%7.30%8.94%11.16%12.37%5.08%3.77%-518 bps
Asset Quality
Delinquent Loans / Loans0.51%0.69%0.32%0.17%0.19%0.20%0.38%0.08%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.19%0.20%0.25%0.26%0.26%0.25%0.26%+1 bps
Capital
Risk-Based Capital6.64%6.56%6.10%6.22%6.03%5.90%5.96%5.79%-43 bps
Net Worth / Assets6.64%6.56%6.10%6.22%6.03%5.90%5.96%5.79%-43 bps
Liquidity & Funding
Loans / Shares57.37%58.22%52.57%49.44%45.07%41.70%38.31%36.23%-1,321 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps