Dallas, TX · Charter 12108
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.06% | -5.23% | -7.21% | -11.05% | -9.09% | -403 bps | |
| Return on Equity | -51.49% | -58.97% | -96.81% | -176.36% | -164.08% | -11,259 bps | |
| Net Interest Margin | 3.32% | 3.39% | 3.81% | 4.49% | 4.51% | +119 bps | |
| Efficiency Ratio | 195.70% | 200% | 241% | 360% | 328% | +13,197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.55% | -4.07% | -7.37% | -25.82% | -29.78% | -2,422 bps | |
| Loan Growth (YoY) | -11.72% | -13.72% | -16.33% | -10.30% | -22.19% | -1,047 bps | |
| Share Growth (YoY) | -0.89% | 1.43% | -0.84% | -19.57% | -26.29% | -2,539 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.01% | 20.21% | 19.37% | 18.23% | 20.65% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.40% | 3.41% | 3.04% | 3.06% | 2.11% | -129 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.83% | 8.87% | 7.45% | 6.26% | 5.54% | -429 bps | |
| Net Worth / Assets | 9.83% | 8.87% | 7.45% | 6.26% | 5.54% | -429 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.09% | 44.06% | 39.21% | 50.28% | 47.59% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |