Clovis, NM · Charter 16559
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.74% | -0.42% | -0.50% | -0.51% | -1.12% | -0.76% | -0.58% | -8 bps | |
| Return on Equity | -8.10% | -8.85% | -4.70% | -5.36% | -5.56% | -12.91% | -8.93% | -7.43% | -207 bps | |
| Net Interest Margin | 2.67% | 2.13% | 2.21% | 2.24% | 2.14% | 1.84% | 2.01% | 1.85% | -39 bps | |
| Efficiency Ratio | 99.31% | 116.61% | 106.48% | 105.86% | 107.13% | 112.29% | 106.65% | 105.50% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.71% | -1.64% | -8.02% | -9.15% | -10.95% | -10.11% | -2.81% | 10.98% | +2,013 bps | |
| Loan Growth (YoY) | -5.40% | -15.42% | -24.47% | -26.25% | -21.75% | -5.84% | 26.26% | 51.30% | +7,755 bps | |
| Share Growth (YoY) | 1.47% | -1.02% | -8.07% | -9.27% | -11.64% | -10.45% | -2.28% | 8.39% | +1,766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.12% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.49% | 0.41% | 0.48% | 0.40% | 0.46% | 0.40% | 0.42% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.58% | 8.34% | 8.91% | 9.36% | 9.13% | 8.70% | 8.51% | 7.87% | -149 bps | |
| Net Worth / Assets | 8.58% | 8.34% | 8.91% | 9.36% | 9.13% | 8.70% | 8.51% | 7.87% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.33% | 71.58% | 70.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |