Hondo, TX · Charter 13644
NCUA · 1 branch
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.41% | 0.54% | 0.29% | 0.24% | 0.57% | 0.78% | 1.02% | +73 bps | |
| Return on Equity | 4.88% | 2.43% | 3.17% | 1.72% | 1.41% | 3.31% | 4.50% | 5.74% | +401 bps | |
| Net Interest Margin | 3.31% | 3.30% | 3.34% | 3.38% | 3.44% | 3.47% | 3.49% | 3.51% | +13 bps | |
| Efficiency Ratio | 79.56% | 84.25% | 83.00% | 90.35% | 89.29% | 84.30% | 80.93% | 75.98% | -1,437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | -0.84% | 0.69% | 2.46% | -0.16% | 1.26% | 2.40% | 1.88% | -58 bps | |
| Loan Growth (YoY) | -3.52% | -7.97% | -13.05% | -8.68% | -5.43% | -4.10% | -1.21% | -8.27% | +41 bps | |
| Share Growth (YoY) | -0.73% | -1.40% | 0.54% | 2.49% | -0.34% | 1.10% | 2.30% | 1.26% | -123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.18% | 0.53% | 0.79% | 0.87% | 1.58% | 1.18% | 0.87% | +8 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 | 0.35% | 0.18% | 0.19% | 0.18% | 0.28% | 0.29% | 0.29% | 0.39% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.67% | 16.82% | 17.07% | 17.08% | 16.91% | 17.05% | 17.22% | 17.78% | +70 bps | |
| Net Worth / Assets | 16.67% | 16.82% | 17.07% | 17.08% | 16.91% | 17.05% | 17.22% | 17.78% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.05% | 58.44% | 57.03% | 58.55% | 57.93% | 55.44% | 55.07% | 53.04% | -551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |