PackageTrendsPeer
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Texaco Credit Union of New Orleans

New Orleans, LA · Charter 63015

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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 Credit Union of New Orleans

New Orleans, LA · Charter 63015

Q4 2001

$7.6MAssets
$3.4MLoans
$6.8MShares
$823KNet Worth

Executive Summary

  • Earnings: ROA of -0.55%, down 96 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 4.70% of loans (+378 bps YoY).
  • Capital: net worth / assets of 10.81%.
  • Funding: loans stand at 49.63% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.55%-96 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+27 bps YoY

Efficiency Ratio (YTD, annualized)

57.38%-2,635 bps YoY

Net Worth / Assets

10.81%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets6.50%6.15%4.83%0.41%0.54%0.00%0.03%-0.55%-96 bps
Return on Equityn/an/an/an/an/a0.00%0.22%-5.07%n/a
Net Interest Marginn/an/an/a2.52%2.48%2.75%2.70%2.78%+27 bps
Efficiency Ration/an/an/a83.73%78.83%71.24%60.60%57.38%-2,635 bps
Growth
Asset Growth (YoY)-4.71%3.44%2.85%5.27%2.30%-3.53%-0.45%0.54%-473 bps
Loan Growth (YoY)7.49%12.80%16.38%19.46%13.87%11.52%11.25%-5.13%-2,458 bps
Share Growth (YoY)-7.12%2.24%2.25%4.01%1.00%-4.56%-1.00%2.36%-165 bps
Asset Quality
Delinquent Loans / Loans1.75%0.10%1.58%0.92%8.44%7.31%4.45%4.70%+378 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.66%3.29%3.39%2.60%2.55%2.79%2.72%3.19%+59 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.82%12.25%10.81%n/a
Net Worth / Assetsn/an/an/an/an/a12.82%12.25%10.81%n/a
Liquidity & Funding
Loans / Shares49.67%51.30%49.84%53.55%56.00%59.95%56.01%49.63%-391 bps
Liquid Assets / Assets25.10%28.52%29.22%51.98%49.87%20.06%13.84%19.07%-3,292 bps