Tahoka, TX · Charter 13771
NCUA · 1 branch
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.10% | -4.66% | -5.01% | -5.57% | -6.08% | -98 bps | |
| Return on Equity | -22.43% | -22.24% | -25.38% | -29.96% | -35.07% | -1,265 bps | |
| Net Interest Margin | 4.98% | 4.59% | 4.40% | 4.55% | 4.06% | -92 bps | |
| Efficiency Ratio | 197.84% | 196.59% | 208% | 216% | 243% | +4,503 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.67% | -8.69% | -3.11% | -1.52% | -2.19% | +1,549 bps | |
| Loan Growth (YoY) | -10.17% | -27.23% | -15.64% | -13.52% | -32.03% | -2,186 bps | |
| Share Growth (YoY) | -14.69% | -4.38% | 3.65% | 5.34% | 4.73% | +1,943 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.00% | 0.00% | 0.39% | 0.00% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 3.27% | 3.10% | 2.90% | 3.60% | +87 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.75% | 20.93% | 19.76% | 18.58% | 17.35% | -541 bps | |
| Net Worth / Assets | 22.75% | 20.93% | 19.76% | 18.58% | 17.35% | -541 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.37% | 49.15% | 51.75% | 56.11% | 40.48% | -2,189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |