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Texas Employees

Dallas, TX · Charter 67419

Q3 2009

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: Q3 2009, the quarter ended September 30, 2009, 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 Employees

Dallas, TX · Charter 67419

Q3 2009

$15.3MAssets
$8.0MLoans
$12.4MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 7 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.29% of loans (+16 bps YoY).
  • Capital: net worth / assets of 18.47%, up 49 bps from a year ago.
  • Funding: loans stand at 64.27% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

0.88%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+21 bps YoY

Efficiency Ratio (YTD, annualized)

72.79%-539 bps YoY

Net Worth / Assets

18.47%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.57%0.86%0.85%0.81%0.85%-1.92%0.91%0.88%+7 bps
Return on Equity3.31%5.07%4.79%4.49%4.76%-11.09%4.99%4.76%+27 bps
Net Interest Margin2.85%3.09%3.28%3.32%3.29%3.56%3.55%3.53%+21 bps
Efficiency Ratio85.86%79.63%77.53%78.17%77.54%72.65%72.50%72.79%-539 bps
Growth
Asset Growth (YoY)0.64%5.86%3.27%0.40%0.24%-0.95%1.57%2.40%+201 bps
Loan Growth (YoY)-9.94%-12.67%-13.00%-8.84%-3.51%-3.49%4.54%6.70%+1,554 bps
Share Growth (YoY)0.67%6.91%3.70%-1.01%-0.84%-1.48%0.09%2.31%+332 bps
Asset Quality
Delinquent Loans / Loans0.49%0.36%0.19%0.13%0.10%0.39%0.07%0.29%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.46%0.37%0.32%0.29%0.16%0.19%0.26%-5 bps
Capital
Risk-Based Capital17.12%17.01%17.66%17.98%17.93%17.32%18.28%18.47%+49 bps
Net Worth / Assets17.12%17.01%17.66%17.98%17.93%17.32%18.28%18.47%+49 bps
Liquidity & Funding
Loans / Shares62.88%60.61%59.67%61.62%61.18%59.38%62.33%64.27%+264 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps