Wichita Falls, TX · Charter 11633
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | 0.03% | 0.06% | -0.06% | 0.07% | +8 bps | |
| Return on Equity | -0.07% | 0.27% | 0.52% | -0.54% | 0.63% | +70 bps | |
| Net Interest Margin | 2.47% | 2.47% | 2.48% | 2.50% | 2.56% | +9 bps | |
| Efficiency Ratio | 99.83% | 97.97% | 96.44% | 96.53% | 94.42% | -541 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.37% | 0.85% | 1.78% | 1.81% | 0.85% | -52 bps | |
| Loan Growth (YoY) | 6.82% | 9.27% | 10.68% | 11.14% | 8.31% | +149 bps | |
| Share Growth (YoY) | 1.38% | 0.81% | 1.82% | 4.29% | 3.05% | +167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.98% | 0.79% | 0.63% | 0.89% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.20% | 0.17% | 0.22% | 0.22% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.62% | 11.65% | 11.61% | 11.54% | 11.62% | 0 bps | |
| Net Worth / Assets | 11.62% | 11.65% | 11.61% | 11.54% | 11.62% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.35% | 72.29% | 73.90% | 72.47% | 73.94% | +359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |