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Weslaco Catholic

Weslaco, TX · Charter 6820

Q4 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: Q4 2005, the quarter ended December 31, 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

Weslaco Catholic

Weslaco, TX · Charter 6820

Q4 2005

$2.3MAssets
$1.6MLoans
$2.2MShares
$80KNet 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 -5.07%, down 179 bps year over year; NIM at 8.47%.
  • Asset quality: problem loans at 18.10% of loans (+872 bps YoY).
  • Capital: net worth / assets of 3.45%, down 395 bps from a year ago.
  • Funding: loans stand at 72.43% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-5.07%-179 bps YoY

Net Interest Margin (YTD, annualized)

8.47%+24 bps YoY

Efficiency Ratio (YTD, annualized)

74.84%-2,264 bps YoY

Net Worth / Assets

3.45%-395 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-3.28%1.82%1.27%-7.71%-5.07%-179 bps
Return on Equity-44.27%24.66%16.16%-303%-147.06%-10,279 bps
Net Interest Margin8.23%6.92%7.44%8.55%8.47%+24 bps
Efficiency Ratio97.48%73.07%78.72%79.84%74.84%-2,264 bps
Growth
Asset Growth (YoY)-15.59%-12.54%-17.36%-21.47%-17.29%-169 bps
Loan Growth (YoY)-21.83%-16.21%-15.09%-18.73%-14.94%+689 bps
Share Growth (YoY)-14.02%-12.06%-13.79%-17.38%-13.65%+37 bps
Asset Quality
Delinquent Loans / Loans9.39%11.72%13.64%15.45%18.10%+872 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.10%2.62%1.54%6.55%12.74%+1,064 bps
Capital
Risk-Based Capital7.40%7.37%7.87%2.54%3.45%-395 bps
Net Worth / Assets7.40%7.37%7.87%2.54%3.45%-395 bps
Liquidity & Funding
Loans / Shares73.53%69.17%76.13%74.50%72.43%-110 bps
Liquid Assets / Assets23.06%27.59%20.36%22.90%29.69%+663 bps