San Antonio, TX · Charter 2995
NCUA · 3 branches
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 | -0.97% | -0.88% | -0.98% | -1.71% | -2.20% | -123 bps | |
| Return on Equity | -13.65% | -12.44% | -14.40% | -26.02% | -36.04% | -2,239 bps | |
| Net Interest Margin | 3.75% | 3.76% | 3.73% | 3.61% | 3.65% | -9 bps | |
| Efficiency Ratio | 110.81% | 109.65% | 107.98% | 100.17% | 108.72% | -208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.93% | -0.13% | -2.41% | -7.16% | -7.73% | -1,566 bps | |
| Loan Growth (YoY) | 10.50% | -3.82% | -10.55% | -12.74% | -15.30% | -2,580 bps | |
| Share Growth (YoY) | 12.24% | 3.54% | 1.81% | -6.23% | -6.41% | -1,864 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 1.49% | 1.55% | 0.71% | 0.84% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.31% | 0.36% | 0.55% | 0.79% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.11% | 7.09% | 6.82% | 6.56% | 6.10% | -101 bps | |
| Net Worth / Assets | 7.11% | 7.09% | 6.82% | 6.56% | 6.10% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.68% | 87.40% | 84.08% | 82.06% | 80.25% | -843 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |