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Big Spring Government Employees

Big Spring, TX · Charter 6937

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Big Spring Government Employees

Big Spring, TX · Charter 6937

Q3 2013

$18.7MAssets
$4.8MLoans
$15.9MShares
$2.6MNet 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 -1.41%, down 61 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 3.00% of loans (+148 bps YoY).
  • Capital: net worth / assets of 13.92%, down 139 bps from a year ago.
  • Funding: loans stand at 29.93% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.41%-61 bps YoY

Net Interest Margin (YTD, annualized)

2.32%-16 bps YoY

Efficiency Ratio (YTD, annualized)

122.98%+1,413 bps YoY

Net Worth / Assets

13.92%-139 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.80%-0.67%-1.41%-1.35%-1.41%-61 bps
Return on Equity-5.21%-4.51%-9.83%-9.49%-10.14%-492 bps
Net Interest Margin2.48%2.44%2.14%2.32%2.32%-16 bps
Efficiency Ratio108.85%108.77%120.25%119.86%122.98%+1,413 bps
Growth
Asset Growth (YoY)-1.18%0.21%-3.08%0.13%1.47%+265 bps
Loan Growth (YoY)-6.92%-5.15%-1.67%-7.74%-7.82%-90 bps
Share Growth (YoY)-0.52%0.81%-2.95%1.51%2.64%+316 bps
Asset Quality
Delinquent Loans / Loans1.52%2.79%2.27%2.16%3.00%+148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.82%0.80%1.02%0.98%+18 bps
Capital
Risk-Based Capital15.31%14.96%14.29%14.20%13.92%-139 bps
Net Worth / Assets15.31%14.96%14.29%14.20%13.92%-139 bps
Liquidity & Funding
Loans / Shares33.33%32.29%30.98%30.83%29.93%-339 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps