Big Spring, TX · Charter 14360
NCUA · 2 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.33% | 0.33% | 0.34% | 0.24% | 0.30% | 0.31% | -6.15% | -650 bps | |
| Return on Equity | 1.08% | 1.09% | 1.07% | 1.12% | 0.79% | 0.96% | 1.02% | -23.83% | -2,495 bps | |
| Net Interest Margin | 2.25% | 2.00% | 2.03% | 2.05% | 2.02% | 2.02% | 1.95% | -4.25% | -630 bps | |
| Efficiency Ratio | 79.39% | 83.51% | 83.91% | 83.27% | 85.45% | 85.44% | 84.32% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.81% | -8.26% | -2.05% | 1.44% | 2.23% | -1.88% | 2.22% | 1.37% | -7 bps | |
| Loan Growth (YoY) | -4.29% | 2.54% | -12.18% | -5.82% | -0.51% | -4.42% | -2.72% | -14.23% | -840 bps | |
| Share Growth (YoY) | -16.67% | -11.81% | -3.26% | 1.85% | 2.89% | -3.04% | 2.87% | 8.94% | +709 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 0.00% | 0.12% | 0.33% | 0.00% | 0.08% | 0.01% | -10 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 | 3.51% | 3.35% | 3.51% | 3.39% | 3.65% | 3.62% | 3.72% | 4.08% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.17% | 30.37% | 30.66% | 30.86% | 30.73% | 31.19% | 30.23% | 25.82% | -504 bps | |
| Net Worth / Assets | 31.17% | 30.37% | 30.66% | 30.86% | 30.73% | 31.19% | 30.23% | 25.82% | -504 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.58% | 67.12% | 64.83% | 67.57% | 64.38% | 66.16% | 61.30% | 53.20% | -1,437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |