PackageTrendsPeer
Letter portraitLegal landscape

VA Regional Office

Waco, TX · Charter 6289

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

VA Regional Office

Waco, TX · Charter 6289

Q2 2015

$3.9MAssets
$1.8MLoans
$3.3MShares
$597KNet Worth

Executive Summary

  • Earnings: ROA of -7.05%, down 587 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (-90 bps YoY).
  • Capital: net worth / assets of 15.21%, up 274 bps from a year ago.
  • Funding: loans stand at 54.99% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-7.05%-587 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+125 bps YoY

Efficiency Ratio (YTD, annualized)

227%+9,697 bps YoY

Net Worth / Assets

15.21%+274 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-1.24%-1.13%-0.82%-1.19%-1.03%-1.62%-5.87%-7.05%-587 bps
Return on Equity-9.51%-8.76%-6.30%-9.53%-8.27%-14.25%-58.20%-46.39%-3,686 bps
Net Interest Margin2.82%2.84%2.64%2.64%2.66%2.60%2.53%3.89%+125 bps
Efficiency Ratio131.55%130.94%125.79%130.50%128.42%141.61%266%227%+9,697 bps
Growth
Asset Growth (YoY)2.83%-0.95%-3.55%-0.75%-2.78%-0.88%0.38%-38.97%-3,822 bps
Loan Growth (YoY)2.06%-9.35%-10.62%-12.37%-14.29%-11.23%-10.41%-20.77%-841 bps
Share Growth (YoY)4.20%0.46%-2.63%0.70%-2.03%-0.44%2.88%-41.87%-4,257 bps
Asset Quality
Delinquent Loans / Loans0.55%0.49%0.33%0.90%0.91%0.00%0.00%0.00%-90 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.51%2.33%2.32%2.42%2.32%2.58%2.55%2.81%+39 bps
Capital
Risk-Based Capital13.09%12.85%13.06%12.47%12.49%11.34%10.09%15.21%+274 bps
Net Worth / Assets13.09%12.85%13.06%12.47%12.49%11.34%10.09%15.21%+274 bps
Liquidity & Funding
Loans / Shares44.83%42.12%41.66%40.35%39.22%37.56%36.28%54.99%+1,464 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps