PackageTrendsPeer
Letter portraitLegal landscape

Driscoll Foundation

Corpus Christi, TX · Charter 67448

Q4 2005

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 2005, the quarter ended December 31, 2005, 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

Driscoll Foundation

Corpus Christi, TX · Charter 67448

Q4 2005

$2.0MAssets
$1.2MLoans
$1.7MShares
$268KNet 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 1.45%, down 11 bps year over year; NIM at 5.78%.
  • Asset quality: problem loans at 2.15% of loans (-110 bps YoY).
  • Capital: net worth / assets of 13.60%, up 201 bps from a year ago.
  • Funding: loans stand at 68.09% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.45%-11 bps YoY

Net Interest Margin (YTD, annualized)

5.78%-20 bps YoY

Efficiency Ratio (YTD, annualized)

71.22%+602 bps YoY

Net Worth / Assets

13.60%+201 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.56%-0.65%1.72%1.88%1.45%-11 bps
Return on Equity13.47%-6.21%15.25%16.05%10.68%-279 bps
Net Interest Margin5.98%5.30%5.02%5.03%5.78%-20 bps
Efficiency Ratio65.21%100.99%61.84%57.96%71.22%+602 bps
Growth
Asset Growth (YoY)-3.80%9.53%-0.74%-1.94%-4.57%-77 bps
Loan Growth (YoY)-6.54%-11.02%-14.98%-17.77%-22.47%-1,592 bps
Share Growth (YoY)-6.00%9.81%2.18%-3.98%-6.31%-31 bps
Asset Quality
Delinquent Loans / Loans3.25%2.04%2.90%3.23%2.15%-110 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.68%2.08%2.13%2.47%2.42%+74 bps
Capital
Risk-Based Capital11.60%10.45%11.31%11.74%13.60%+201 bps
Net Worth / Assets11.60%10.45%11.31%11.74%13.60%+201 bps
Liquidity & Funding
Loans / Shares82.28%67.88%60.01%59.41%68.09%-1,419 bps
Liquid Assets / Assets25.30%36.62%41.93%45.49%38.01%+1,270 bps