Evadale, TX · Charter 10379
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.80% | 0.85% | 0.78% | 0.96% | +31 bps | |
| Return on Equity | 6.24% | 7.56% | 7.88% | 7.41% | 8.79% | +256 bps | |
| Net Interest Margin | 3.19% | 3.22% | 3.21% | 3.15% | 3.28% | +9 bps | |
| Efficiency Ratio | 78.36% | 78.49% | 78.65% | 84.24% | 81.14% | +278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.24% | 6.06% | 7.49% | 4.97% | 4.74% | -151 bps | |
| Loan Growth (YoY) | 5.75% | 11.54% | 12.20% | 14.54% | 14.71% | +896 bps | |
| Share Growth (YoY) | 7.00% | 5.11% | 7.01% | 4.37% | 2.91% | -409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.17% | 0.29% | 0.11% | 0.10% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.51% | 0.47% | 0.39% | 0.29% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.35% | 10.61% | 10.72% | 10.47% | 10.87% | +52 bps | |
| Net Worth / Assets | 10.35% | 10.61% | 10.72% | 10.47% | 10.87% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.34% | 70.47% | 70.42% | 68.56% | 72.83% | +749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |