PackageTrendsPeer
Letter portraitLegal landscape

Pollock Employees

Dallas, TX · Charter 67582

NCUA · 1 branch

Q4 2021

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 2021, the quarter ended December 31, 2021, 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

Pollock Employees

Dallas, TX · Charter 67582

NCUA · 1 branch

Q4 2021

$5.1MAssets
$2.8MLoans
$4.5MShares
$551KNet 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 -0.44%, down 48 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.85% of loans (-26 bps YoY).
  • Capital: net worth / assets of 10.80%, down 75 bps from a year ago.
  • Funding: loans stand at 61.26% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.44%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-57 bps YoY

Efficiency Ratio (YTD, annualized)

110.31%+1,116 bps YoY

Net Worth / Assets

10.80%-75 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.04%-0.80%-0.42%-0.05%-0.44%-48 bps
Return on Equity0.34%-7.62%-3.83%-0.46%-4.03%-438 bps
Net Interest Margin3.98%3.31%3.44%3.36%3.41%-57 bps
Efficiency Ratio99.15%122.42%110.15%101.16%110.31%+1,116 bps
Growth
Asset Growth (YoY)10.51%21.10%9.15%7.48%2.79%-773 bps
Loan Growth (YoY)-8.79%-10.66%-10.13%-12.91%-11.21%-242 bps
Share Growth (YoY)12.14%22.42%11.82%8.78%3.63%-850 bps
Asset Quality
Delinquent Loans / Loans1.11%1.33%1.55%1.46%0.85%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.30%0.33%0.34%0.35%+6 bps
Capital
Risk-Based Capital11.55%10.45%10.88%10.90%10.80%-75 bps
Net Worth / Assets11.55%10.45%10.88%10.90%10.80%-75 bps
Liquidity & Funding
Loans / Shares71.50%62.94%60.44%59.38%61.26%-1,024 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps