Waco, TX · Charter 11231
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Waco, TX · Charter 11231
NCUA · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.33% | 0.47% | 0.68% | 0.60% | 0.88% | 6.70% | 265% | +26,482 bps | |
| Return on Equity | 2.87% | 1.76% | 2.45% | 3.43% | 3.09% | 4.06% | 6.70% | 265% | +26,206 bps | |
| Net Interest Margin | 3.30% | 3.37% | 3.46% | 3.63% | 3.60% | 3.85% | 9.70% | 699% | +69,512 bps | |
| Efficiency Ratio | 84.64% | 91.27% | 86.66% | 82.50% | 84.02% | 76.95% | 142.02% | 170.30% | +8,780 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.42% | 0.51% | 1.66% | -2.66% | -1.40% | -8.82% | -79.86% | -99.81% | -9,715 bps | |
| Loan Growth (YoY) | -1.13% | 5.41% | 6.31% | 7.21% | 8.16% | -1.34% | -100.00% | -100.00% | -10,721 bps | |
| Share Growth (YoY) | -5.94% | -0.04% | 1.30% | -4.07% | -0.03% | -11.89% | -100.00% | -100.00% | -9,593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.31% | 0.37% | 0.62% | 0.16% | 0.19% | n/a | n/a | n/a | |
| 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 | 2.34% | 2.33% | 2.36% | 2.20% | 2.23% | 2.45% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 18.67% | 19.03% | 19.11% | 19.71% | 19.54% | 21.65% | 100.00% | 100.00% | +8,029 bps | |
| Net Worth / Assets | 18.67% | 19.03% | 19.11% | 19.71% | 19.54% | 21.65% | 100.00% | 100.00% | +8,029 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.24% | 60.10% | 61.96% | 63.97% | 64.09% | 67.30% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |