Austin, TX · Charter 19016
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Austin, TX · Charter 19016
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.08% | 0.03% | 0.03% | 0.02% | -5 bps | |
| Return on Equity | 0.61% | 0.72% | 0.27% | 0.27% | 0.20% | -41 bps | |
| Net Interest Margin | 0.67% | 0.70% | 0.86% | 0.82% | 0.73% | +6 bps | |
| Efficiency Ratio | 85.79% | 85.15% | 56.15% | 51.36% | 51.97% | -3,382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.95% | 11.66% | 7.87% | 9.71% | 5.99% | -995 bps | |
| Loan Growth (YoY) | -5.84% | -10.25% | 1.21% | -5.57% | -0.13% | +571 bps | |
| Share Growth (YoY) | 18.33% | 13.34% | 8.88% | 10.97% | 6.80% | -1,152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.20% | 1.87% | 1.41% | 1.87% | 1.04% | -116 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.16% | 0.53% | 0.73% | 0.83% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.30% | 11.63% | 11.14% | 10.96% | 10.71% | -59 bps | |
| Net Worth / Assets | 11.30% | 11.63% | 11.14% | 10.96% | 10.71% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.55% | 59.25% | 61.04% | 58.26% | 57.56% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |