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Chevron Pascagoula

Pascagoula, MS · Charter 7

Q1 2006

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: Q1 2006, the quarter ended March 31, 2006, 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 2026-10-10

Chevron Pascagoula

Pascagoula, MS · Charter 7

Q1 2006

$28.2MAssets
$18.0MLoans
$25.5MShares
$2.5MNet 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 -13.10%, down 1,397 bps year over year; NIM at -4.38%.
  • Asset quality: problem loans at 0.32% of loans (+31 bps YoY).
  • Capital: net worth / assets of 9.04%, down 709 bps from a year ago.
  • Funding: loans stand at 70.60% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-13.10%-1,397 bps YoY

Net Interest Margin (YTD, annualized)

-4.38%-745 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.04%-709 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.87%0.89%0.69%0.60%-13.10%-1,397 bps
Return on Equity5.40%5.19%4.33%4.71%-144.84%-15,024 bps
Net Interest Margin3.07%3.24%3.01%2.49%-4.38%-745 bps
Efficiency Ratio79.75%81.42%82.59%81.08%n/an/a
Growth
Asset Growth (YoY)11.02%8.78%19.05%46.44%35.64%+2,463 bps
Loan Growth (YoY)1.10%4.25%18.43%39.59%49.56%+4,846 bps
Share Growth (YoY)12.41%9.50%22.97%55.77%47.76%+3,535 bps
Asset Quality
Delinquent Loans / Loans0.01%0.06%0.18%0.12%0.32%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.11%0.10%0.08%0.08%-11 bps
Capital
Risk-Based Capital16.14%17.13%15.86%12.82%9.04%-709 bps
Net Worth / Assets16.14%17.13%15.86%12.82%9.04%-709 bps
Liquidity & Funding
Loans / Shares69.75%77.82%79.95%73.69%70.60%+85 bps
Liquid Assets / Assets35.17%28.63%25.82%31.24%30.24%-493 bps