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Entex-United

Tyler, TX · Charter 67472

NCUA · 1 branch

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Entex-United

Tyler, TX · Charter 67472

NCUA · 1 branch

Q2 2018

$2.9MAssets
$2.6MLoans
$2.5MShares
$416KNet Worth

Executive Summary

  • Earnings: ROA of -26.56%, down 2,648 bps year over year; NIM at -16.79%.
  • Asset quality: problem loans at 0.03% of loans (-38 bps YoY).
  • Capital: net worth / assets of 14.34%, down 1,416 bps from a year ago.
  • Funding: loans stand at 103.43% of shares as of Q2 2018.

Return on Assets (YTD, annualized)

-26.56%-2,648 bps YoY

Net Interest Margin (YTD, annualized)

-16.79%-1,994 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.34%-1,416 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.13%0.11%-0.06%-0.08%-0.11%-0.58%-0.73%-26.56%-2,648 bps
Return on Equity0.48%0.39%-0.22%-0.28%-0.38%-2.10%-2.65%-185.22%-18,495 bps
Net Interest Margin3.17%3.16%3.05%3.15%3.15%3.15%3.17%-16.79%-1,994 bps
Efficiency Ratio95.80%96.65%102.03%102.50%103.35%114.93%122.91%n/an/a
Growth
Asset Growth (YoY)-1.48%-1.00%-0.67%-0.66%-1.95%-2.46%-0.90%1.22%+188 bps
Loan Growth (YoY)-5.09%-3.50%-1.36%-10.29%-3.89%-0.52%0.42%11.19%+2,148 bps
Share Growth (YoY)-2.12%-1.66%-0.95%-0.68%-2.54%-2.52%-0.16%21.45%+2,213 bps
Asset Quality
Delinquent Loans / Loans0.01%0.22%0.58%0.40%0.21%1.07%0.78%0.03%-38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.45%0.46%0.45%0.39%0.38%0.44%0.43%0.38%-1 bps
Capital
Risk-Based Capital27.59%27.40%27.89%28.50%28.07%27.51%27.40%14.34%-1,416 bps
Net Worth / Assets27.59%27.40%27.89%28.50%28.07%27.51%27.40%14.34%-1,416 bps
Liquidity & Funding
Loans / Shares113.18%108.32%108.05%112.97%111.62%110.53%108.68%103.43%-955 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps