Kingsville, TX · Charter 15117
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Kingsville, TX · Charter 15117
NCUA · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.74% | -4.25% | -3.59% | -2.75% | 0.38% | -0.47% | -0.09% | 0.18% | +293 bps | |
| Return on Equity | -21.93% | -63.64% | -54.52% | -39.99% | 5.61% | -7.32% | -1.34% | 2.42% | +4,241 bps | |
| Net Interest Margin | 3.20% | 3.42% | 3.54% | 3.71% | 3.50% | 3.51% | 3.62% | 3.90% | +19 bps | |
| Efficiency Ratio | 107.20% | 139.54% | 129.46% | 118.30% | 97.52% | 94.41% | 90.83% | 87.82% | -3,048 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.82% | -5.02% | -9.52% | -12.61% | -11.17% | -5.57% | -2.95% | -5.75% | +686 bps | |
| Loan Growth (YoY) | -5.08% | -5.32% | -3.15% | -2.60% | 0.03% | -2.97% | -2.80% | -2.85% | -25 bps | |
| Share Growth (YoY) | -1.62% | -2.63% | -8.11% | -11.70% | -10.53% | -5.42% | -3.03% | -5.90% | +580 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.82% | 2.17% | 1.25% | 1.31% | 1.33% | 3.99% | 2.13% | 2.94% | +163 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 | 4.03% | 6.44% | 6.19% | 6.04% | 5.17% | 5.37% | 4.94% | 4.38% | -166 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.91% | 6.67% | 6.59% | 6.88% | 6.81% | 6.42% | 6.77% | 7.48% | +60 bps | |
| Net Worth / Assets | 7.91% | 6.67% | 6.59% | 6.88% | 6.81% | 6.42% | 6.77% | 7.48% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.41% | 31.83% | 33.49% | 35.55% | 34.00% | 32.66% | 33.57% | 36.70% | +115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |