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Ada Employees

Houston, TX · Charter 67487

Q1 2012

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: Q1 2012, the quarter ended March 31, 2012, 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

Ada Employees

Houston, TX · Charter 67487

Q1 2012

$2.6MAssets
$946KLoans
$2.4MShares
$223KNet Worth

Executive Summary

  • Earnings: ROA of -12.64%, down 1,292 bps year over year; NIM at -11.29%.
  • Asset quality: problem loans at 0.64% of loans (+26 bps YoY).
  • Capital: net worth / assets of 8.45%, down 264 bps from a year ago.
  • Funding: loans stand at 39.14% of shares as of Q1 2012.

Return on Assets (YTD, annualized)

-12.64%-1,292 bps YoY

Net Interest Margin (YTD, annualized)

-11.29%-1,339 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

8.45%-264 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets1.07%0.28%0.86%0.27%0.28%0.29%0.33%-12.64%-1,292 bps
Return on Equity9.97%2.66%8.04%2.47%2.51%2.57%2.82%-149.66%-15,213 bps
Net Interest Margin2.66%2.20%2.64%2.10%2.00%2.33%2.27%-11.29%-1,339 bps
Efficiency Ratio43.98%85.82%67.52%86.97%86.33%87.31%85.47%n/an/a
Growth
Asset Growth (YoY)-1.45%0.68%4.26%-0.02%1.20%-3.27%-5.80%-2.32%-229 bps
Loan Growth (YoY)-4.23%-6.75%-4.56%-11.23%-11.23%-15.94%-18.19%-20.28%-904 bps
Share Growth (YoY)-1.27%-0.45%3.34%1.02%0.29%-4.67%-5.43%1.07%+5 bps
Asset Quality
Delinquent Loans / Loans0.12%2.42%2.06%0.38%0.50%0.46%0.40%0.64%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.36%1.38%1.39%1.49%1.54%1.65%1.67%0.87%-62 bps
Capital
Risk-Based Capital10.71%10.45%10.65%11.09%11.04%11.27%11.75%8.45%-264 bps
Net Worth / Assets10.71%10.45%10.65%11.09%11.04%11.27%11.75%8.45%-264 bps
Liquidity & Funding
Loans / Shares53.82%51.42%54.09%49.62%47.64%45.34%46.79%39.14%-1,048 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps