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Thd-6

Odessa, TX · Charter 61312

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Thd-6

Odessa, TX · Charter 61312

NCUA · 1 branch

Q3 2019

$3.2MAssets
$2.5MLoans
$2.7MShares
$440KNet Worth

Executive Summary

  • Earnings: ROA of -0.58%, down 100 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 1.45% of loans (-7 bps YoY).
  • Capital: net worth / assets of 13.90%, up 232 bps from a year ago.
  • Funding: loans stand at 91.21% of shares as of Q3 2019.

Return on Assets (YTD, annualized)

-0.58%-100 bps YoY

Net Interest Margin (YTD, annualized)

4.40%+52 bps YoY

Efficiency Ratio (YTD, annualized)

93.50%+839 bps YoY

Net Worth / Assets

13.90%+232 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-0.12%0.13%0.33%0.42%0.44%-1.11%-2.01%-0.58%-100 bps
Return on Equity-1.10%1.19%2.94%3.64%3.31%-8.24%-15.21%-4.20%-784 bps
Net Interest Margin3.84%3.81%3.86%3.89%4.40%4.17%4.43%4.40%+52 bps
Efficiency Ratio84.75%87.98%87.47%85.11%85.80%106.16%94.68%93.50%+839 bps
Growth
Asset Growth (YoY)0.33%-1.90%-1.33%-2.10%-13.00%-16.11%-18.71%-18.75%-1,665 bps
Loan Growth (YoY)10.48%-4.42%-9.06%-13.23%-13.04%-10.64%-2.93%1.07%+1,431 bps
Share Growth (YoY)0.47%0.01%-1.65%-2.64%-15.11%-18.42%-20.45%-20.98%-1,834 bps
Asset Quality
Delinquent Loans / Loans2.50%1.92%1.59%1.51%1.82%2.13%7.04%1.45%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.19%1.30%0.94%0.99%0.99%1.39%2.29%1.54%+55 bps
Capital
Risk-Based Capital11.13%11.16%11.36%11.58%13.23%13.44%13.24%13.90%+232 bps
Net Worth / Assets11.13%11.16%11.36%11.58%13.23%13.44%13.24%13.90%+232 bps
Liquidity & Funding
Loans / Shares77.21%74.64%73.77%71.31%79.10%81.76%90.02%91.21%+1,990 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps