San Antonio, TX · Charter 10245
NCUA · 5 branches
Q2 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.34% | 0.65% | 0.56% | 0.64% | 0.61% | 0.43% | 0.55% | -1 bps | |
| Return on Equity | 5.22% | 3.95% | 7.87% | 6.66% | 7.32% | 6.90% | 4.89% | 6.11% | -54 bps | |
| Net Interest Margin | 2.95% | 2.93% | 2.76% | 2.75% | 2.75% | 2.73% | 2.58% | 2.65% | -10 bps | |
| Efficiency Ratio | 84.54% | 83.92% | 83.92% | 84.40% | 81.62% | 82.03% | 93.14% | 86.07% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.88% | 4.70% | 9.92% | 13.49% | 6.48% | 5.39% | 0.73% | -0.14% | -1,364 bps | |
| Loan Growth (YoY) | 4.09% | 8.37% | 7.82% | 4.68% | 2.06% | -0.51% | 0.54% | 2.68% | -200 bps | |
| Share Growth (YoY) | 3.81% | 4.52% | 10.43% | 13.45% | 6.89% | 5.96% | 0.66% | -0.07% | -1,352 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.81% | 0.69% | 0.55% | 0.34% | 0.60% | 0.49% | 0.31% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.84% | 0.66% | 0.65% | 0.60% | 0.56% | 0.46% | 0.45% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.77% | 8.72% | 8.25% | 8.46% | 8.72% | 8.89% | 8.73% | 9.07% | +61 bps | |
| Net Worth / Assets | 8.77% | 8.72% | 8.25% | 8.46% | 8.72% | 8.89% | 8.73% | 9.07% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.19% | 80.50% | 74.51% | 75.20% | 75.61% | 75.58% | 74.43% | 77.28% | +207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |