PackageTrendsPeer
Letter portraitLegal landscape

Texaco of Houma

Houma, LA · Charter 62927

NCUA · 1 branch

Q1 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: Q1 2022, the quarter ended March 31, 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

Texaco of Houma

Houma, LA · Charter 62927

NCUA · 1 branch

Q1 2022

$3.5MAssets
$2.0MLoans
$2.7MShares
$804KNet 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 20.50%, up 1,953 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 3.99% of loans (-140 bps YoY).
  • Capital: net worth / assets of 23.18%, up 592 bps from a year ago.
  • Funding: loans stand at 75.12% of shares as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

20.50%+1,953 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-100 bps YoY

Efficiency Ratio (YTD, annualized)

317%+24,390 bps YoY

Net Worth / Assets

23.18%+592 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.97%0.62%0.85%0.77%20.50%+1,953 bps
Return on Equity5.63%3.54%4.76%4.32%88.42%+8,280 bps
Net Interest Margin3.61%3.35%3.25%3.16%2.60%-100 bps
Efficiency Ratio73.23%81.56%73.92%75.65%317%+24,390 bps
Growth
Asset Growth (YoY)-5.24%-6.52%-4.42%-1.56%-1.47%+377 bps
Loan Growth (YoY)-19.71%-19.45%-19.70%-21.87%-20.82%-111 bps
Share Growth (YoY)-7.12%-8.46%-5.83%-2.87%-8.60%-148 bps
Asset Quality
Delinquent Loans / Loans5.40%0.27%6.16%5.36%3.99%-140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.30%8.68%9.42%10.32%0.17%-813 bps
Capital
Risk-Based Capital17.27%17.53%17.85%17.91%23.18%+592 bps
Net Worth / Assets17.27%17.53%17.85%17.91%23.18%+592 bps
Liquidity & Funding
Loans / Shares86.71%86.16%80.37%75.67%75.12%-1,159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps