PackageTrendsPeer
Letter portraitLegal landscape

County & Municipal Employees CU

Edinburg, TX · Charter 67881

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

County & Municipal Employees CU

Edinburg, TX · Charter 67881

Q3 2014

$40.3MAssets
$26.3MLoans
$39.7MShares
$344KNet 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 -11.17%, down 1,341 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 21.00% of loans (+1,992 bps YoY).
  • Capital: net worth / assets of 0.85%, down 1,015 bps from a year ago.
  • Funding: loans stand at 66.29% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-11.17%-1,341 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-154 bps YoY

Efficiency Ratio (YTD, annualized)

129.56%+8,162 bps YoY

Net Worth / Assets

0.85%-1,015 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets2.24%-1.40%-21.92%-13.57%-11.17%-1,341 bps
Return on Equity20.33%-17.65%-808%-649%-1309%-132,938 bps
Net Interest Margin5.38%5.36%4.13%3.99%3.84%-154 bps
Efficiency Ratio47.94%49.06%270%153.41%129.56%+8,162 bps
Growth
Asset Growth (YoY)36.00%29.88%10.31%-7.65%-14.14%-5,014 bps
Loan Growth (YoY)31.09%17.53%-7.51%-26.42%-35.54%-6,663 bps
Share Growth (YoY)37.34%37.53%22.31%3.54%-4.17%-4,151 bps
Asset Quality
Delinquent Loans / Loans1.07%3.81%11.90%16.82%21.00%+1,992 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.92%6.44%10.34%10.12%12.83%+1,092 bps
Capital
Risk-Based Capital11.01%7.91%2.71%2.09%0.85%-1,015 bps
Net Worth / Assets11.01%7.91%2.71%2.09%0.85%-1,015 bps
Liquidity & Funding
Loans / Shares98.55%90.28%77.18%71.90%66.29%-3,226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps