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T & FS Employees

Port Arthur, TX · Charter 67462

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

T & FS Employees

Port Arthur, TX · Charter 67462

NCUA · 1 branch

Q4 2022

$488KAssets
$393KLoans
$398KShares
$90KNet 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 -8.03%, down 875 bps year over year; NIM at 13.38%.
  • Asset quality: problem loans at 7.91% of loans (+109 bps YoY).
  • Capital: net worth / assets of 18.53%, down 109 bps from a year ago.
  • Funding: loans stand at 98.78% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-8.03%-875 bps YoY

Net Interest Margin (YTD, annualized)

13.38%+183 bps YoY

Efficiency Ratio (YTD, annualized)

121.90%+2,998 bps YoY

Net Worth / Assets

18.53%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.72%-7.34%-18.05%-15.04%-8.03%-875 bps
Return on Equity3.65%-40.99%-146.15%-106.13%-43.33%-4,698 bps
Net Interest Margin11.55%9.56%10.24%12.75%13.38%+183 bps
Efficiency Ratio91.92%121.73%119.31%112.46%121.90%+2,998 bps
Growth
Asset Growth (YoY)-15.77%-1.08%-9.93%-21.33%-24.39%-862 bps
Loan Growth (YoY)-21.22%-14.88%-10.06%-1.19%-9.22%+1,199 bps
Share Growth (YoY)-19.48%-0.64%-2.18%-18.79%-23.37%-389 bps
Asset Quality
Delinquent Loans / Loans6.82%12.21%12.39%11.63%7.91%+109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.72%8.12%15.32%14.51%10.25%+153 bps
Capital
Risk-Based Capital19.62%17.90%12.35%14.17%18.53%-109 bps
Net Worth / Assets19.62%17.90%12.35%14.17%18.53%-109 bps
Liquidity & Funding
Loans / Shares83.39%79.72%82.48%101.02%98.78%+1,539 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps