Austin, TX · Charter 18304
NCUA · 8 branches
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.83% | 0.76% | 0.72% | 0.69% | 0.61% | 0.76% | 0.71% | -1 bps | |
| Return on Equity | 8.27% | 8.95% | 8.08% | 7.71% | 7.55% | 6.68% | 8.26% | 7.82% | +11 bps | |
| Net Interest Margin | 3.16% | 3.20% | 3.21% | 3.22% | 3.47% | 3.50% | 3.47% | 3.42% | +20 bps | |
| Efficiency Ratio | 80.00% | 79.09% | 80.32% | 80.99% | 78.52% | 79.52% | 77.38% | 76.82% | -416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.01% | 9.52% | 4.20% | 7.42% | 7.43% | 8.44% | 11.55% | 12.34% | +492 bps | |
| Loan Growth (YoY) | 9.07% | 5.51% | 3.28% | 6.77% | 12.63% | 14.21% | 13.11% | 10.10% | +332 bps | |
| Share Growth (YoY) | 7.30% | 8.60% | 7.58% | 7.56% | 4.89% | 3.96% | 6.31% | 8.40% | +84 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.10% | 0.16% | 0.17% | 0.15% | 0.19% | 0.26% | 0.35% | +18 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 | 0.39% | 0.38% | 0.36% | 0.33% | 0.33% | 0.34% | 0.35% | 0.42% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.07% | 9.23% | 9.41% | 9.37% | 9.15% | 9.13% | 9.16% | 9.06% | -32 bps | |
| Net Worth / Assets | 9.07% | 9.23% | 9.41% | 9.37% | 9.15% | 9.13% | 9.16% | 9.06% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.15% | 92.64% | 95.15% | 96.07% | 100.02% | 101.77% | 101.24% | 97.57% | +151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |