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Aldine Teachers

Houston, TX · Charter 67637

NCUA · 6 branches

Q4 2022

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 2022, the quarter ended December 31, 2022, 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

Aldine Teachers

Houston, TX · Charter 67637

NCUA · 6 branches

Q4 2022

$241.0MAssets
$135.3MLoans
$231.6MShares
$26.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, up 25 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.49% of loans (+25 bps YoY).
  • Capital: net worth / assets of 10.82%, up 178 bps from a year ago.
  • Funding: loans stand at 58.40% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

0.83%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+69 bps YoY

Efficiency Ratio (YTD, annualized)

77.91%-488 bps YoY

Net Worth / Assets

10.82%+178 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.20%0.48%0.63%0.59%0.86%0.82%0.90%0.83%+25 bps
Return on Equity2.29%5.58%7.11%6.49%9.40%8.39%8.65%7.70%+122 bps
Net Interest Margin1.85%1.91%1.96%1.99%2.18%2.37%2.57%2.68%+69 bps
Efficiency Ratio91.87%84.99%81.55%82.79%77.07%78.80%77.36%77.91%-488 bps
Growth
Asset Growth (YoY)13.47%11.14%7.75%6.40%2.76%-4.22%-7.51%-9.46%-1,586 bps
Loan Growth (YoY)3.39%5.54%6.51%5.86%12.73%19.59%18.48%14.95%+909 bps
Share Growth (YoY)17.38%12.47%8.86%7.31%4.21%-1.10%-2.63%-4.49%-1,180 bps
Asset Quality
Delinquent Loans / Loans0.13%0.13%0.29%0.24%0.16%0.15%0.22%0.49%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.80%0.76%1.03%0.96%0.93%0.85%0.86%0.97%+1 bps
Capital
Risk-Based Capital8.64%8.61%8.91%9.04%9.16%9.75%10.43%10.82%+178 bps
Net Worth / Assets8.64%8.61%8.91%9.04%9.16%9.75%10.43%10.82%+178 bps
Liquidity & Funding
Loans / Shares45.38%45.09%46.77%48.53%49.09%54.53%56.92%58.40%+988 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps