Clovis, NM · Charter 16559
NCUA · 1 branch
Q3 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.24% | 2.14% | 1.84% | 2.01% | 1.85% | -39 bps | |
| Efficiency Ratio | 105.86% | 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 / Loans | 0.17% | 0.16% | 0.05% | 0.09% | 0.19% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.40% | 0.46% | 0.40% | 0.42% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.36% | 9.13% | 8.70% | 8.51% | 7.87% | -149 bps | |
| Net Worth / Assets | 9.36% | 9.13% | 8.70% | 8.51% | 7.87% | -149 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.73% | 70.26% | 75.27% | 90.73% | 100.13% | +2,839 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |