Floydada, TX · Charter 17696
NCUA · 1 branch
Q3 2019
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 1.15% | 1.54% | 1.48% | 1.37% | -18 bps | |
| Return on Equity | 4.94% | 3.67% | 4.90% | 4.71% | 4.47% | -47 bps | |
| Net Interest Margin | 2.97% | 2.63% | 2.93% | 2.90% | 2.79% | -18 bps | |
| Efficiency Ratio | 42.86% | 50.36% | 47.40% | 49.29% | 47.93% | +507 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.08% | 4.07% | 2.68% | 2.64% | 5.73% | +365 bps | |
| Loan Growth (YoY) | 14.07% | 7.56% | 4.05% | 6.56% | 9.21% | -486 bps | |
| Share Growth (YoY) | 0.79% | 4.13% | 2.07% | 1.93% | 6.44% | +566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 1.79% | 1.19% | 0.87% | 0.83% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.36% | 0.32% | 0.14% | 0.29% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.39% | 31.35% | 31.43% | 31.48% | 30.71% | -68 bps | |
| Net Worth / Assets | 31.39% | 31.35% | 31.43% | 31.48% | 30.71% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.98% | 66.69% | 65.91% | 68.36% | 68.72% | +174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |