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Tyler

Waxahachie, TX · Charter 67504

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

Tyler

Waxahachie, TX · Charter 67504

Q2 2005

$2.4MAssets
$1.1MLoans
$2.2MShares
$188KNet 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 -40.62%, down 4,022 bps year over year; NIM at -36.43%.
  • Asset quality: problem loans at 6.76% of loans (+477 bps YoY).
  • Capital: net worth / assets of 7.94%, down 1,572 bps from a year ago.
  • Funding: loans stand at 51.31% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-40.62%-4,022 bps YoY

Net Interest Margin (YTD, annualized)

-36.43%-3,884 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

7.94%-1,572 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.40%-0.18%-0.36%-1.66%-40.62%-4,022 bps
Return on Equity-1.68%-0.78%-1.34%-5.89%-512%-51,010 bps
Net Interest Margin2.41%2.48%3.02%2.80%-36.43%-3,884 bps
Efficiency Ratio107.67%99.87%94.51%93.61%n/an/a
Growth
Asset Growth (YoY)1.00%-1.72%-15.45%-17.79%-16.67%-1,767 bps
Loan Growth (YoY)1.49%0.37%-8.90%-18.70%-32.08%-3,357 bps
Share Growth (YoY)-1.48%-3.59%-19.77%-22.43%0.54%+202 bps
Asset Quality
Delinquent Loans / Loans1.99%1.93%3.40%4.16%6.76%+477 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.62%1.58%1.67%2.56%3.53%+191 bps
Capital
Risk-Based Capital23.65%23.38%27.24%28.23%7.94%-1,572 bps
Net Worth / Assets23.65%23.38%27.24%28.23%7.94%-1,572 bps
Liquidity & Funding
Loans / Shares75.95%72.69%81.85%75.14%51.31%-2,464 bps
Liquid Assets / Assets34.82%19.84%20.05%25.13%36.72%+190 bps