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Ctecu

Bellaire, TX · Charter 97099

NCUA · 1 branch

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

Ctecu

Bellaire, TX · Charter 97099

NCUA · 1 branch

Q2 2023

$23.2MAssets
$4.7MLoans
$19.0MShares
$4.1MNet Worth

Executive Summary

  • Earnings: ROA of -6.15%, down 517 bps year over year; NIM at 2.00%.
  • Asset quality: problem loans at 1.15% of loans (+56 bps YoY).
  • Capital: net worth / assets of 17.76%, up 42 bps from a year ago.
  • Funding: loans stand at 24.94% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

-6.15%-517 bps YoY

Net Interest Margin (YTD, annualized)

2.00%+100 bps YoY

Efficiency Ratio (YTD, annualized)

346%+16,898 bps YoY

Net Worth / Assets

17.76%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.23%-0.11%-0.85%-0.98%-1.15%-1.12%-1.32%-6.15%-517 bps
Return on Equity1.20%-0.59%-4.99%-5.64%-6.39%-5.90%-7.00%-34.63%-2,899 bps
Net Interest Margin1.15%1.12%0.94%0.99%1.10%1.24%1.74%2.00%+100 bps
Efficiency Ratio94.51%108.10%168.11%176.88%182.71%171.86%151.20%346%+16,898 bps
Growth
Asset Growth (YoY)1.07%2.48%5.02%0.90%-1.61%-7.91%-15.32%-19.18%-2,009 bps
Loan Growth (YoY)-14.51%-16.53%-14.34%-14.26%-5.73%-4.93%-4.56%-5.92%+834 bps
Share Growth (YoY)0.71%3.47%6.24%2.25%0.14%-8.59%-17.31%-19.71%-2,197 bps
Asset Quality
Delinquent Loans / Loans0.03%0.28%0.01%0.59%0.54%0.71%0.61%1.15%+56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.33%0.36%0.33%0.39%0.40%0.42%0.61%1.85%+146 bps
Capital
Risk-Based Capital18.81%18.45%16.95%17.34%17.98%18.91%18.81%17.76%+42 bps
Net Worth / Assets18.81%18.45%16.95%17.34%17.98%18.91%18.81%17.76%+42 bps
Liquidity & Funding
Loans / Shares25.10%24.47%21.52%21.29%23.63%25.44%24.84%24.94%+366 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps