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Orange County Teachers

Orange, TX · Charter 67498

NCUA · 1 branch

Q1 2020

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 2020, the quarter ended March 31, 2020, 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 2026-10-10

Orange County Teachers

Orange, TX · Charter 67498

NCUA · 1 branch

Q1 2020

$269KAssets
$0KLoans
$132KShares
$127KNet 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 -16.04%, up 94 bps year over year; NIM at 0.60%.
  • Capital: net worth / assets of 47.41%, up 556 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-16.04%+94 bps YoY

Net Interest Margin (YTD, annualized)

0.60%+8 bps YoY

Efficiency Ratio (YTD, annualized)

2760%-61,772 bps YoY

Net Worth / Assets

47.41%+556 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-16.97%-18.05%-17.43%-16.60%-16.04%+94 bps
Return on Equity-40.56%-41.73%-38.90%-37.82%-33.83%+673 bps
Net Interest Margin0.52%0.53%0.56%0.57%0.60%+8 bps
Efficiency Ratio3378%2769%2725%2643%2760%-61,772 bps
Growth
Asset Growth (YoY)-57.72%-55.33%-44.96%-43.57%-34.95%+2,277 bps
Loan Growth (YoY)-78.84%-100.00%-100.00%-100.00%-100.00%-2,116 bps
Share Growth (YoY)-64.43%-56.78%-31.02%-40.32%-39.56%+2,486 bps
Asset Quality
Delinquent Loans / Loans0.00%n/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.30%n/an/an/an/an/a
Capital
Risk-Based Capital41.85%43.26%44.81%43.90%47.41%+556 bps
Net Worth / Assets41.85%43.26%44.81%43.90%47.41%+556 bps
Liquidity & Funding
Loans / Shares2.39%0.00%0.00%0.00%0.00%-239 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps