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North East Texas

Lone Star, TX · Charter 68432

NCUA · 7 branches

Q2 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: Q2 2022, the quarter ended June 30, 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

North East Texas

Lone Star, TX · Charter 68432

NCUA · 7 branches

Q2 2022

$190.3MAssets
$90.0MLoans
$177.8MShares
$21.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.41%, down 16 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.36% of loans (-93 bps YoY).
  • Capital: net worth / assets of 11.23%, up 162 bps from a year ago.
  • Funding: loans stand at 50.60% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

0.41%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+22 bps YoY

Efficiency Ratio (YTD, annualized)

90.42%+571 bps YoY

Net Worth / Assets

11.23%+162 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.40%0.40%0.83%0.57%0.77%0.68%0.76%0.41%-16 bps
Return on Equity3.99%3.96%8.42%5.91%7.70%6.50%6.97%3.64%-227 bps
Net Interest Margin2.63%2.59%2.37%2.33%2.39%2.50%2.44%2.55%+22 bps
Efficiency Ratio87.02%87.62%80.75%84.71%81.61%83.87%83.57%90.42%+571 bps
Growth
Asset Growth (YoY)19.72%19.42%18.06%9.83%9.04%4.08%-3.62%-9.57%-1,940 bps
Loan Growth (YoY)1.50%-1.12%-1.30%1.76%0.90%-1.54%-2.00%-3.70%-546 bps
Share Growth (YoY)21.57%21.10%20.65%11.41%10.20%5.12%-2.02%-6.66%-1,807 bps
Asset Quality
Delinquent Loans / Loans0.76%0.86%0.48%1.29%0.45%0.12%0.07%0.36%-93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.08%1.10%1.08%1.13%1.09%0.72%0.70%0.72%-41 bps
Capital
Risk-Based Capital10.15%10.16%9.83%9.61%9.98%10.44%10.87%11.23%+162 bps
Net Worth / Assets10.15%10.16%9.83%9.61%9.98%10.44%10.87%11.23%+162 bps
Liquidity & Funding
Loans / Shares54.28%53.30%49.62%49.04%49.70%49.92%49.63%50.60%+155 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps