Kilgore, TX · Charter 10749
NCUA · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.33% | -0.48% | -0.24% | -0.08% | -0.06% | 0.01% | -0.05% | +19 bps | |
| Return on Equity | 1.15% | -4.45% | -5.45% | -2.71% | -0.76% | -0.54% | 0.10% | -0.45% | +226 bps | |
| Net Interest Margin | 1.94% | 2.14% | 3.09% | 3.01% | 3.12% | 3.24% | 2.83% | 3.08% | +6 bps | |
| Efficiency Ratio | 107.85% | 104.03% | 115.26% | 110.78% | 104.48% | 103.87% | 111.18% | 113.58% | +280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.36% | 17.84% | -20.25% | -18.30% | -29.49% | -30.17% | -18.54% | -22.39% | -408 bps | |
| Loan Growth (YoY) | -4.75% | -3.29% | -13.17% | -12.78% | -10.34% | -8.36% | -5.05% | -16.74% | -397 bps | |
| Share Growth (YoY) | 20.39% | 26.48% | -29.44% | -27.78% | -39.41% | -40.98% | -27.26% | -32.24% | -446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.30% | 0.90% | 1.02% | 0.95% | 0.93% | 0.91% | 0.91% | 0.91% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.55% | 7.49% | 8.81% | 9.04% | 10.10% | 10.66% | 10.91% | 11.72% | +268 bps | |
| Net Worth / Assets | 7.55% | 7.49% | 8.81% | 9.04% | 10.10% | 10.66% | 10.91% | 11.72% | +268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.17% | 80.25% | 94.98% | 99.72% | 115.68% | 124.60% | 123.98% | 122.52% | +2,280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |