Pecos, TX · Charter 19962
Q4 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.04% | -0.73% | -0.98% | -1.08% | -1.18% | -13 bps | |
| Return on Equity | -4.58% | -3.40% | -4.66% | -4.88% | -5.43% | -85 bps | |
| Net Interest Margin | 5.83% | 4.87% | 4.47% | 5.12% | 4.68% | -115 bps | |
| Efficiency Ratio | 116.35% | 113.36% | 118.74% | 112.07% | 112.23% | -412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.53% | 2.15% | 6.25% | -1.41% | 0.11% | +364 bps | |
| Loan Growth (YoY) | -30.47% | -30.69% | -2.81% | 0.14% | -0.65% | +2,982 bps | |
| Share Growth (YoY) | -3.27% | 4.45% | 10.07% | 0.23% | 1.93% | +520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.67% | 6.96% | 4.17% | 3.24% | 2.20% | -346 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.78% | 0.05% | 0.53% | 0.43% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.72% | 21.52% | 21.03% | 22.03% | 21.66% | -106 bps | |
| Net Worth / Assets | 22.72% | 21.52% | 21.03% | 22.03% | 21.66% | -106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.46% | 57.15% | 74.89% | 73.41% | 67.70% | -176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |