Kingsville, TX · Charter 15117
NCUA · 1 branch
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.75% | 0.38% | -0.47% | -0.09% | 0.18% | +293 bps | |
| Return on Equity | -39.99% | 5.61% | -7.32% | -1.34% | 2.42% | +4,241 bps | |
| Net Interest Margin | 3.71% | 3.50% | 3.51% | 3.62% | 3.90% | +19 bps | |
| Efficiency Ratio | 118.30% | 97.52% | 94.41% | 90.83% | 87.82% | -3,048 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.61% | -11.17% | -5.57% | -2.95% | -5.75% | +686 bps | |
| Loan Growth (YoY) | -2.60% | 0.03% | -2.97% | -2.80% | -2.85% | -25 bps | |
| Share Growth (YoY) | -11.70% | -10.53% | -5.42% | -3.03% | -5.90% | +580 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 6.04% | 5.17% | 5.37% | 4.94% | 4.38% | -166 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.88% | 6.81% | 6.42% | 6.77% | 7.48% | +60 bps | |
| Net Worth / Assets | 6.88% | 6.81% | 6.42% | 6.77% | 7.48% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |