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Saha

San Antonio, TX · Charter 60510

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

Saha

San Antonio, TX · Charter 60510

Q1 2003

$2.1MAssets
$988KLoans
$1.8MShares
$273KNet 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 0.33%, up 179 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 8.74% of loans (-647 bps YoY).
  • Capital: net worth / assets of 13.00%, down 94 bps from a year ago.
  • Funding: loans stand at 54.50% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.33%+179 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-38 bps YoY

Efficiency Ratio (YTD, annualized)

92.72%-2,888 bps YoY

Net Worth / Assets

13.00%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-1.45%-1.38%-0.88%-0.12%0.33%+179 bps
Return on Equity-10.43%-11.10%-6.97%-0.89%2.55%+1,298 bps
Net Interest Margin4.63%4.73%4.83%4.70%4.25%-38 bps
Efficiency Ratio121.59%124.38%115.09%100.41%92.72%-2,888 bps
Growth
Asset Growth (YoY)-17.72%0.29%-0.54%5.93%9.76%+2,749 bps
Loan Growth (YoY)-33.25%-28.21%-26.40%-15.68%-18.30%+1,495 bps
Share Growth (YoY)-15.58%6.90%2.45%9.45%11.46%+2,704 bps
Asset Quality
Delinquent Loans / Loans15.21%18.70%20.08%12.06%8.74%-647 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.16%11.89%9.37%8.07%9.12%-603 bps
Capital
Risk-Based Capital13.95%12.48%12.62%13.00%13.00%-94 bps
Net Worth / Assets13.95%12.48%12.62%13.00%13.00%-94 bps
Liquidity & Funding
Loans / Shares74.36%67.11%65.07%63.54%54.50%-1,985 bps
Liquid Assets / Assets40.00%45.46%46.16%36.77%42.23%+223 bps