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High Plains

Clovis, NM · Charter 16559

NCUA · 1 branch

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

High Plains

Clovis, NM · Charter 16559

NCUA · 1 branch

Q3 2016

$41.2MAssets
$36.3MLoans
$36.2MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.58%, down 8 bps year over year; NIM at 1.85%.
  • Asset quality: problem loans at 0.19% of loans (+2 bps YoY).
  • Capital: net worth / assets of 7.87%, down 149 bps from a year ago.
  • Funding: loans stand at 100.13% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.58%-8 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-39 bps YoY

Efficiency Ratio (YTD, annualized)

105.50%-36 bps YoY

Net Worth / Assets

7.87%-149 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.50%-0.51%-1.12%-0.76%-0.58%-8 bps
Return on Equity-5.36%-5.56%-12.91%-8.93%-7.43%-207 bps
Net Interest Margin2.24%2.14%1.84%2.01%1.85%-39 bps
Efficiency Ratio105.86%107.13%112.29%106.65%105.50%-36 bps
Growth
Asset Growth (YoY)-9.15%-10.95%-10.11%-2.81%10.98%+2,013 bps
Loan Growth (YoY)-26.25%-21.75%-5.84%26.26%51.30%+7,755 bps
Share Growth (YoY)-9.27%-11.64%-10.45%-2.28%8.39%+1,766 bps
Asset Quality
Delinquent Loans / Loans0.17%0.16%0.05%0.09%0.19%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.40%0.46%0.40%0.42%-6 bps
Capital
Risk-Based Capital9.36%9.13%8.70%8.51%7.87%-149 bps
Net Worth / Assets9.36%9.13%8.70%8.51%7.87%-149 bps
Liquidity & Funding
Loans / Shares71.73%70.26%75.27%90.73%100.13%+2,839 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps