San Antonio, TX · Charter 2825
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.50% | -1.39% | -3.71% | 2.96% | +341 bps | |
| Return on Equity | -2.58% | -3.00% | -8.88% | -26.88% | 21.30% | +2,389 bps | |
| Net Interest Margin | 5.24% | 4.71% | 5.30% | 5.41% | 6.41% | +116 bps | |
| Efficiency Ratio | 102.78% | 105.54% | 121.04% | 136.00% | 56.98% | -4,580 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.54% | 6.84% | 4.66% | 4.52% | 4.56% | +2 bps | |
| Loan Growth (YoY) | 0.53% | 2.74% | 4.17% | 16.22% | 29.68% | +2,915 bps | |
| Share Growth (YoY) | 8.21% | 9.20% | 6.26% | 10.16% | 8.30% | +9 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.48% | 1.30% | 1.87% | 0.78% | 1.03% | -145 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.14% | 1.91% | 2.82% | 4.86% | 4.41% | +127 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.17% | 16.70% | 15.62% | 13.79% | 13.92% | -326 bps | |
| Net Worth / Assets | 17.17% | 16.70% | 15.62% | 13.79% | 13.92% | -326 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.95% | 52.90% | 55.94% | 61.54% | 62.21% | +1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |