Kerrville, TX · Charter 14001
NCUA · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kerrville, TX · Charter 14001
NCUA · 1 branch
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -0.20% | -1.46% | -0.69% | -0.25% | +8 bps | |
| Return on Equity | -6.07% | -3.68% | -27.91% | -14.41% | -4.83% | +124 bps | |
| Net Interest Margin | 5.02% | 5.02% | 4.80% | 4.33% | 4.32% | -70 bps | |
| Efficiency Ratio | 98.25% | 98.02% | 95.87% | 98.25% | 90.43% | -782 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.44% | 0.94% | -0.27% | 7.84% | 3.95% | +251 bps | |
| Loan Growth (YoY) | 3.12% | 4.63% | -0.74% | -4.07% | -3.51% | -664 bps | |
| Share Growth (YoY) | 1.77% | 4.22% | 2.32% | 7.61% | 3.90% | +213 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 2.96% | 0.87% | 0.35% | 0.33% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.42% | 0.62% | 0.65% | 0.82% | +41 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.46% | 5.53% | 5.23% | 4.80% | 5.11% | -35 bps | |
| Net Worth / Assets | 5.46% | 5.53% | 5.23% | 4.80% | 5.11% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.58% | 76.19% | 75.54% | 66.67% | 68.33% | -525 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 94.68% | 0.00% | 0 bps | |