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Witco Houston Employees

Rosenberg, TX · Charter 61524

NCUA · 1 branch

Q3 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: Q3 2022, the quarter ended September 30, 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

Witco Houston Employees

Rosenberg, TX · Charter 61524

NCUA · 1 branch

Q3 2022

$843KAssets
$2KLoans
$575KShares
$262KNet 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 -3.07%, up 19 bps year over year; NIM at 1.10%.
  • Asset quality: problem loans at 0.00% of loans (-2,752 bps YoY).
  • Capital: net worth / assets of 31.11%, down 225 bps from a year ago.
  • Funding: loans stand at 0.37% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-3.07%+19 bps YoY

Net Interest Margin (YTD, annualized)

1.10%-92 bps YoY

Efficiency Ratio (YTD, annualized)

220%-4,100 bps YoY

Net Worth / Assets

31.11%-225 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-3.26%-3.58%-4.34%-4.58%-3.07%+19 bps
Return on Equity-9.77%-10.94%-13.94%-14.98%-9.87%-10 bps
Net Interest Margin2.02%1.85%0.75%0.72%1.10%-92 bps
Efficiency Ratio261%294%682%736%220%-4,100 bps
Growth
Asset Growth (YoY)-15.50%-14.94%-7.78%-9.30%-3.40%+1,209 bps
Loan Growth (YoY)-59.45%-65.88%-78.02%-86.78%-98.93%-3,948 bps
Share Growth (YoY)-18.74%-17.24%-6.18%-8.05%-0.49%+1,824 bps
Asset Quality
Delinquent Loans / Loans27.52%9.59%12.25%9.10%0.00%-2,752 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.08%14.90%27.12%51.39%62.09%+5,201 bps
Capital
Risk-Based Capital33.36%32.76%31.15%30.55%31.11%-225 bps
Net Worth / Assets33.36%32.76%31.15%30.55%31.11%-225 bps
Liquidity & Funding
Loans / Shares34.31%23.30%12.32%6.60%0.37%-3,394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps