PackageTrendsPeer
Letter portraitLegal landscape

Texas Gulf Potash Emp. Credit Union

Moab, UT · Charter 67083

Q4 1999

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 1999, the quarter ended December 31, 1999, 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

Texas Gulf Potash Emp. Credit Union

Moab, UT · Charter 67083

Q4 1999

$342KAssets
$299KLoans
$215KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.65%, down 289 bps year over year; NIM at 8.36%.
  • Asset quality: problem loans at 11.76% of loans (+1,013 bps YoY).
  • Funding: loans stand at 139.43% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

1.65%-289 bps YoY

Net Interest Margin (YTD, annualized)

8.36%
n/a

Efficiency Ratio (YTD, annualized)

58.91%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.35%4.09%4.54%4.54%4.29%4.53%5.76%1.65%-289 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a8.36%n/an/a
Efficiency Ration/an/an/an/an/an/an/a58.91%n/an/a
Growth
Asset Growth (YoY)-8.84%-4.67%10.04%9.28%7.16%-2.95%-9.04%-10.89%-2,018 bps
Loan Growth (YoY)23.49%30.53%21.90%12.52%-0.41%-5.87%-20.07%3.48%-904 bps
Share Growth (YoY)-14.96%-9.71%9.42%6.96%3.74%-11.47%-19.74%-20.50%-2,747 bps
Asset Quality
Delinquent Loans / Loans0.08%0.00%4.01%1.62%10.63%13.69%13.13%11.76%+1,013 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.69%1.45%1.59%1.72%1.81%1.64%2.00%3.71%+199 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares109.84%129.19%113.05%107.11%105.46%137.36%112.59%139.43%+3,232 bps
Liquid Assets / Assets20.84%7.97%19.06%24.88%27.43%2.59%29.17%14.67%-1,021 bps