Tyler, TX · Charter 15112
Q3 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.80% | -7.83% | -11.69% | -12.24% | -38.47% | -3,168 bps | |
| Return on Equity | -14.95% | -17.46% | -21.44% | -22.52% | -100.56% | -8,562 bps | |
| Net Interest Margin | 4.22% | 4.12% | 3.10% | 2.74% | -17.08% | -2,130 bps | |
| Efficiency Ratio | 261% | 268% | 477% | 546% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -23.17% | -24.77% | -28.87% | -29.57% | -35.86% | -1,269 bps | |
| Loan Growth (YoY) | -41.72% | -43.60% | -57.04% | -74.10% | -91.72% | -5,000 bps | |
| Share Growth (YoY) | -29.58% | -31.45% | -39.53% | -40.17% | -26.47% | +310 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 0.40% | 0.00% | 20.22% | 0.00% | -132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 5.59% | 8.13% | 14.29% | 26.62% | +2,487 bps | |
| Capital | |||||||
| Risk-Based Capital | 45.46% | 44.83% | 54.52% | 54.34% | 38.26% | -720 bps | |
| Net Worth / Assets | 45.46% | 44.83% | 54.52% | 54.34% | 38.26% | -720 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.54% | 50.92% | 51.14% | 30.79% | 7.16% | -5,638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |