San Antonio, TX · Charter 15973
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
San Antonio, TX · Charter 15973
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | 0.16% | -0.02% | 0.13% | -0.03% | -0.39% | -2.07% | -3.18% | -331 bps | |
| Return on Equity | -3.28% | 1.61% | -0.23% | 1.25% | -0.29% | -3.44% | -19.15% | -30.59% | -3,184 bps | |
| Net Interest Margin | 2.66% | 2.43% | 2.40% | 2.57% | 2.62% | 2.70% | 2.78% | 2.91% | +34 bps | |
| Efficiency Ratio | 109.70% | 90.15% | 96.99% | 92.16% | 96.31% | 106.05% | 154.49% | 181.35% | +8,919 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.75% | 10.68% | 14.80% | 11.77% | 3.56% | -12.74% | -16.78% | -21.15% | -3,292 bps | |
| Loan Growth (YoY) | -1.89% | -9.37% | -9.79% | -8.52% | -18.51% | -19.26% | -21.06% | -24.91% | -1,639 bps | |
| Share Growth (YoY) | 1.95% | 12.07% | 17.25% | 13.00% | 4.09% | -13.87% | -17.41% | -19.84% | -3,284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.75% | 2.60% | 1.01% | 1.09% | 0.18% | 1.08% | 1.12% | +11 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 | 0.10% | 0.18% | 0.17% | 0.17% | 0.19% | 0.19% | 0.18% | 0.18% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.84% | 10.06% | 9.85% | 10.21% | 10.44% | 11.36% | 10.79% | 10.40% | +19 bps | |
| Net Worth / Assets | 10.84% | 10.06% | 9.85% | 10.21% | 10.44% | 11.36% | 10.79% | 10.40% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.77% | 61.47% | 59.26% | 59.86% | 55.41% | 57.62% | 56.64% | 56.08% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |