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Borger 66

Borger, TX · Charter 6625

NCUA · 1 branch

Q4 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: Q4 2022, the quarter ended December 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

Borger 66

Borger, TX · Charter 6625

NCUA · 1 branch

Q4 2022

$18.2MAssets
$9.9MLoans
$16.1MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -1.54%, down 146 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Capital: net worth / assets of 10.78%, down 147 bps from a year ago.
  • Funding: loans stand at 61.77% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-1.54%-146 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-41 bps YoY

Efficiency Ratio (YTD, annualized)

134.15%+3,622 bps YoY

Net Worth / Assets

10.78%-147 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.36%-0.10%0.10%-0.08%0.40%0.17%0.15%-1.54%-146 bps
Return on Equity-3.15%-0.90%0.84%-0.67%3.54%1.49%1.29%-14.33%-1,366 bps
Net Interest Margin2.84%3.14%3.40%3.41%2.68%2.72%2.83%3.00%-41 bps
Efficiency Ratio104.66%98.03%93.66%97.93%90.00%95.44%96.08%134.15%+3,622 bps
Growth
Asset Growth (YoY)14.25%5.49%6.28%-0.65%0.51%2.45%-0.90%-0.57%+7 bps
Loan Growth (YoY)-4.26%-1.95%-4.48%-1.85%1.00%3.39%7.11%2.68%+453 bps
Share Growth (YoY)16.15%6.15%7.22%-0.52%0.45%2.66%-1.03%0.73%+125 bps
Asset Quality
Delinquent Loans / Loans0.57%0.00%0.00%0.13%0.00%0.12%0.18%0.00%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.32%0.37%0.46%0.49%0.48%0.42%0.39%0.39%-10 bps
Capital
Risk-Based Capital11.31%11.60%11.83%12.25%11.37%11.38%11.90%10.78%-147 bps
Net Worth / Assets11.31%11.60%11.83%12.25%11.37%11.38%11.90%10.78%-147 bps
Liquidity & Funding
Loans / Shares54.72%57.11%56.58%60.60%55.02%57.52%61.23%61.77%+117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps