PackageTrendsPeer
Letter portraitLegal landscape

Employees Credit Union of HCP

Henderson, TX · Charter 67449

Q4 1995

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 1995, the quarter ended December 31, 1995, 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

Employees Credit Union of HCP

Henderson, TX · Charter 67449

Q4 1995

$604KAssets
$540KLoans
$391KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.69%.
  • Asset quality: problem loans at 1.01% of loans.
  • Funding: loans stand at 138.05% of shares as of Q4 1995.

Return on Assets (YTD, annualized)

4.69%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets4.50%4.84%4.84%4.69%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.84%0.96%0.45%1.01%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.66%1.34%1.34%1.50%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares109.12%124.94%153.23%138.05%n/a
Liquid Assets / Assets22.58%11.39%0.01%6.19%n/a