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Qualtrust

Irving, TX · Charter 68569

NCUA · 5 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Qualtrust

Irving, TX · Charter 68569

NCUA · 5 branches

Q3 2017

$197.0MAssets
$116.9MLoans
$177.3MShares
$15.2MNet Worth

Executive Summary

  • Earnings: ROA of -2.43%, down 252 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.94% of loans (+3 bps YoY).
  • Capital: net worth / assets of 7.71%, down 202 bps from a year ago.
  • Funding: loans stand at 65.92% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-2.43%-252 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-27 bps YoY

Efficiency Ratio (YTD, annualized)

145.46%+5,497 bps YoY

Net Worth / Assets

7.71%-202 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.28%0.02%0.07%0.09%0.05%-1.14%-0.50%-2.43%-252 bps
Return on Equity-2.91%0.18%0.69%0.93%0.56%-12.57%-5.49%-31.55%-3,248 bps
Net Interest Margin3.30%3.14%3.14%3.12%3.06%2.84%2.86%2.85%-27 bps
Efficiency Ratio91.80%91.28%90.52%90.49%90.40%104.02%97.62%145.46%+5,497 bps
Growth
Asset Growth (YoY)3.38%-0.59%2.04%1.54%1.93%3.30%3.69%1.87%+33 bps
Loan Growth (YoY)-6.09%-4.08%-0.97%0.49%0.98%1.95%-7.88%-10.78%-1,128 bps
Share Growth (YoY)3.90%-0.21%2.21%1.95%1.65%3.52%4.84%3.25%+130 bps
Asset Quality
Delinquent Loans / Loans0.96%0.72%0.69%0.91%0.88%0.85%0.97%0.94%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.83%0.80%0.75%0.74%0.67%0.79%0.76%0.83%+9 bps
Capital
Risk-Based Capital9.70%9.61%9.70%9.72%9.57%9.07%9.13%7.71%-202 bps
Net Worth / Assets9.70%9.61%9.70%9.72%9.57%9.07%9.13%7.71%-202 bps
Liquidity & Funding
Loans / Shares76.28%74.28%76.40%76.28%75.78%73.15%67.14%65.92%-1,037 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps