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Chevron Employees

Houston, TX · Charter 67583

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Chevron Employees

Houston, TX · Charter 67583

Q3 2015

$45.6MAssets
$8.4MLoans
$40.4MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.34%, unchanged from a year ago; NIM at 1.69%.
  • Asset quality: problem loans at 0.04% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.25%, up 106 bps from a year ago.
  • Funding: loans stand at 20.92% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

-0.34%0 bps YoY

Net Interest Margin (YTD, annualized)

1.69%+11 bps YoY

Efficiency Ratio (YTD, annualized)

120.55%-386 bps YoY

Net Worth / Assets

11.25%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.23%-0.47%-0.36%-0.34%-0.33%-0.25%-0.32%-0.34%0 bps
Return on Equity2.30%-4.67%-3.55%-3.33%-3.09%-2.44%-2.99%-3.04%+28 bps
Net Interest Margin1.77%1.53%1.56%1.58%1.64%1.61%1.64%1.69%+11 bps
Efficiency Ratio88.26%145.75%128.09%124.40%121.80%114.95%119.00%120.55%-386 bps
Growth
Asset Growth (YoY)-3.30%-7.74%-9.25%-8.98%-9.72%-6.69%-9.61%-11.98%-300 bps
Loan Growth (YoY)17.67%14.17%13.36%12.92%5.95%4.71%-3.32%-3.12%-1,604 bps
Share Growth (YoY)-3.81%-8.35%-10.05%-9.37%-10.57%-7.16%-10.18%-13.14%-377 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.01%0.01%0.19%0.17%0.04%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.38%0.25%0.26%0.26%0.27%0.29%0.30%0.30%+3 bps
Capital
Risk-Based Capital9.81%9.98%10.08%10.19%10.55%10.43%10.85%11.25%+106 bps
Net Worth / Assets9.81%9.98%10.08%10.19%10.55%10.43%10.85%11.25%+106 bps
Liquidity & Funding
Loans / Shares16.19%16.61%18.51%18.76%19.18%18.73%19.93%20.92%+216 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps