Santa Rosa, TX · Charter 22187
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Santa Rosa, TX · Charter 22187
NCUA · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.09% | 0.58% | 1.03% | 0.63% | 2.06% | 1.71% | 1.45% | +42 bps | |
| Return on Equity | 3.50% | 2.70% | 1.43% | 2.37% | 1.52% | 5.05% | 3.98% | 3.28% | +91 bps | |
| Net Interest Margin | 2.85% | 2.63% | 2.75% | 2.96% | 3.02% | 3.21% | 3.25% | 3.41% | +45 bps | |
| Efficiency Ratio | 60.40% | 73.48% | 84.45% | 73.31% | 65.09% | 64.03% | 68.81% | 77.44% | +413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.66% | -6.59% | -3.92% | -2.72% | -2.67% | 1.42% | -2.70% | 0.01% | +273 bps | |
| Loan Growth (YoY) | 3.81% | -15.47% | -6.39% | -3.10% | 0.46% | -11.70% | -22.24% | -30.06% | -2,696 bps | |
| Share Growth (YoY) | -7.87% | -12.50% | -9.24% | -6.73% | -5.42% | 0.95% | -5.42% | -1.34% | +539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.00% | 4.01% | 4.74% | 0.00% | 0.00% | 0.00% | 0.00% | -474 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 | 3.87% | 4.06% | 3.76% | 3.81% | 5.09% | 5.55% | 5.37% | 5.77% | +196 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 39.68% | 40.49% | 40.70% | 43.21% | 41.39% | 40.78% | 43.03% | 44.18% | +97 bps | |
| Net Worth / Assets | 39.68% | 40.49% | 40.70% | 43.21% | 41.39% | 40.78% | 43.03% | 44.18% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.36% | 34.87% | 41.74% | 43.93% | 39.68% | 30.50% | 34.32% | 31.14% | -1,279 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |