Port Lavaca, TX · Charter 10328
NCUA · 1 branch
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | 0.07% | 0.01% | 0.08% | -0.09% | 0.23% | 0.03% | -0.56% | -64 bps | |
| Return on Equity | -1.78% | 0.87% | 0.14% | 0.93% | -1.18% | 2.77% | 0.27% | -6.05% | -698 bps | |
| Net Interest Margin | 3.20% | 3.25% | 3.36% | 3.12% | 2.98% | 2.94% | 3.30% | 2.39% | -73 bps | |
| Efficiency Ratio | 94.13% | 88.31% | 92.22% | 97.96% | 102.66% | 94.12% | 99.41% | 115.57% | +1,761 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | -2.64% | -5.59% | -6.73% | -0.71% | -4.53% | -15.05% | -14.14% | -741 bps | |
| Loan Growth (YoY) | 3.36% | -0.40% | -4.21% | -7.84% | -13.20% | -12.17% | -19.73% | -30.28% | -2,244 bps | |
| Share Growth (YoY) | -0.48% | -2.78% | -6.02% | -7.34% | -0.84% | -5.31% | -17.24% | -15.50% | -815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.49% | 0.46% | 0.84% | 0.71% | 0.63% | 1.43% | 1.08% | +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 | 0.16% | 0.35% | 0.36% | 0.37% | 0.39% | 0.40% | 0.45% | 0.53% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.75% | 7.75% | 8.02% | 8.08% | 7.84% | 8.25% | 9.47% | 9.27% | +119 bps | |
| Net Worth / Assets | 7.75% | 7.75% | 8.02% | 8.08% | 7.84% | 8.25% | 9.47% | 9.27% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.18% | 61.62% | 61.54% | 61.19% | 56.18% | 57.16% | 59.68% | 50.48% | -1,071 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |