Fort Worth, TX · Charter 24473
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 | -0.01% | -0.43% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Return on Equity | -0.08% | -3.82% | 0.02% | 0.04% | 0.00% | +8 bps | |
| Net Interest Margin | 1.72% | 1.67% | 1.40% | 1.38% | 1.38% | -34 bps | |
| Efficiency Ratio | 100.50% | 127.65% | 102.68% | 101.10% | 100.97% | +47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.40% | -9.74% | -7.06% | -2.91% | -3.47% | +393 bps | |
| Loan Growth (YoY) | -12.76% | -12.79% | -11.19% | -17.18% | -22.13% | -937 bps | |
| Share Growth (YoY) | -8.24% | -10.87% | -8.27% | -3.15% | -3.34% | +490 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.14% | 0.10% | 0.12% | 0.14% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.50% | 11.17% | 11.28% | 11.23% | 11.48% | -2 bps | |
| Net Worth / Assets | 11.50% | 11.17% | 11.28% | 11.23% | 11.48% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.43% | 22.64% | 22.39% | 20.49% | 18.87% | -455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |