Lubbock, TX · Charter 20760
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Lubbock, TX · Charter 20760
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.62% | 0.68% | 0.68% | 0.59% | 0.58% | 0.11% | -7.08% | -776 bps | |
| Return on Equity | 5.74% | 5.15% | 5.57% | 5.53% | 4.59% | 4.35% | 0.83% | -63.76% | -6,929 bps | |
| Net Interest Margin | 2.95% | 2.91% | 2.83% | 2.88% | 2.84% | 3.00% | 2.96% | 3.06% | +18 bps | |
| Efficiency Ratio | 76.79% | 78.69% | 75.97% | 76.48% | 78.75% | 78.69% | 78.94% | 164.24% | +8,776 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.12% | 4.84% | 5.52% | 4.06% | -1.59% | -4.13% | -4.13% | -5.23% | -929 bps | |
| Loan Growth (YoY) | -11.48% | -15.50% | -16.81% | -7.43% | -8.60% | -3.13% | -5.60% | -8.04% | -61 bps | |
| Share Growth (YoY) | 6.35% | 4.82% | 5.44% | 3.83% | -2.51% | -5.35% | -4.80% | -3.98% | -781 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.54% | 3.96% | 4.63% | 5.13% | 5.61% | 4.23% | 1.78% | -285 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 | 0.88% | 0.94% | 0.96% | 0.99% | 0.44% | 0.39% | 0.53% | 1.79% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.95% | 12.05% | 12.27% | 12.27% | 12.79% | 13.23% | 12.91% | 11.11% | -116 bps | |
| Net Worth / Assets | 11.95% | 12.05% | 12.27% | 12.27% | 12.79% | 13.23% | 12.91% | 11.11% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.34% | 35.60% | 34.84% | 33.43% | 35.01% | 36.43% | 34.55% | 32.01% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |