Midlothian, TX · Charter 24754
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | -0.78% | -0.78% | -2.29% | -2.83% | -222 bps | |
| Return on Equity | -8.05% | -10.19% | -10.42% | -33.18% | -45.22% | -3,717 bps | |
| Net Interest Margin | 4.85% | 5.10% | 5.04% | 4.78% | 4.90% | +5 bps | |
| Efficiency Ratio | 110.02% | 111.39% | 110.83% | 131.29% | 129.22% | +1,920 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.14% | -14.94% | -10.77% | -7.76% | -7.30% | +185 bps | |
| Loan Growth (YoY) | -3.82% | -2.23% | -7.60% | -6.09% | -6.88% | -306 bps | |
| Share Growth (YoY) | -8.51% | -12.03% | -6.87% | -8.80% | -10.31% | -180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.68% | 0.27% | 0.31% | 1.09% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.14% | 0.17% | 0.26% | 0.77% | +63 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.54% | 7.69% | 7.54% | 6.89% | 6.25% | -129 bps | |
| Net Worth / Assets | 7.54% | 7.69% | 7.54% | 6.89% | 6.25% | -129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.90% | 59.69% | 58.89% | 60.35% | 61.15% | +225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |