Sherman, TX · Charter 12015
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.26% | -0.10% | -0.44% | -1.82% | -127 bps | |
| Return on Equity | -7.07% | -3.46% | -1.39% | -6.04% | -28.45% | -2,138 bps | |
| Net Interest Margin | 2.56% | 2.65% | 2.73% | 2.77% | 3.02% | +46 bps | |
| Efficiency Ratio | 111.23% | 103.89% | 101.00% | 106.73% | 130.40% | +1,917 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | 3.29% | 2.39% | 1.96% | -4.60% | -582 bps | |
| Loan Growth (YoY) | 21.77% | 15.64% | 16.50% | 5.02% | -4.92% | -2,669 bps | |
| Share Growth (YoY) | 2.00% | 4.34% | 3.07% | 2.44% | -3.52% | -552 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.28% | 0.31% | 0.02% | 0.25% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.27% | 0.26% | 0.31% | 1.09% | +89 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 7.39% | 7.46% | 7.25% | 6.41% | -144 bps | |
| Net Worth / Assets | 7.85% | 7.39% | 7.46% | 7.25% | 6.41% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.84% | 36.13% | 37.58% | 37.29% | 39.26% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |