Paris, TX · Charter 15066
Q4 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -3.25% | -3.10% | -2.54% | -1.24% | -133 bps | |
| Return on Equity | 1.02% | -42.70% | -44.29% | -38.45% | -16.33% | -1,734 bps | |
| Net Interest Margin | 6.05% | 5.65% | 5.69% | 5.60% | 5.77% | -28 bps | |
| Efficiency Ratio | 100.14% | 149.00% | 145.64% | 138.38% | 117.78% | +1,764 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.66% | -9.18% | -6.64% | -9.11% | -7.95% | -230 bps | |
| Loan Growth (YoY) | -22.03% | -19.47% | 39.18% | 39.52% | 24.45% | +4,647 bps | |
| Share Growth (YoY) | -6.49% | -9.58% | -6.05% | -7.50% | -6.66% | -17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 0.50% | 0.09% | 0.00% | 0.00% | -131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 2.23% | 1.47% | 1.58% | 1.63% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.17% | 7.61% | 6.99% | 6.60% | 7.61% | -57 bps | |
| Net Worth / Assets | 8.17% | 7.61% | 6.99% | 6.60% | 7.61% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.40% | 66.59% | 101.75% | 93.13% | 95.20% | +2,380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |