Longview, TX · Charter 3151
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Longview, TX · Charter 3151
NCUA · 2 branches
Q1 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.49% | 0.12% | -0.11% | -0.67% | -8.56% | -8.92% | -0.48% | -37 bps | |
| Return on Equity | 4.12% | 4.84% | 1.16% | -1.04% | -6.70% | -182.69% | -294% | -16.06% | -1,502 bps | |
| Net Interest Margin | 4.86% | 5.23% | 5.36% | 5.03% | 4.75% | 4.82% | 4.32% | 5.04% | +1 bps | |
| Efficiency Ratio | 82.28% | 81.28% | 79.04% | 89.94% | 94.81% | 102.98% | 133.50% | 109.83% | +1,988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | -3.28% | -5.71% | -11.68% | -8.73% | -10.57% | -14.54% | -15.39% | -371 bps | |
| Loan Growth (YoY) | -5.25% | -6.19% | -7.70% | -10.28% | -11.79% | -10.20% | -12.93% | -17.99% | -771 bps | |
| Share Growth (YoY) | -3.02% | -4.28% | -7.24% | -13.92% | -6.03% | -6.34% | -7.13% | -7.02% | +690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.25% | 14.23% | 14.36% | 13.24% | 14.24% | 17.23% | 19.71% | 21.01% | +776 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 | 0.53% | 0.56% | 0.50% | 0.45% | 0.00% | 4.13% | 4.48% | 3.94% | +348 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.45% | 10.18% | 10.21% | 10.33% | 9.93% | 4.68% | 3.03% | 2.98% | -734 bps | |
| Net Worth / Assets | 9.45% | 10.18% | 10.21% | 10.33% | 9.93% | 4.68% | 3.03% | 2.98% | -734 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.24% | 94.23% | 95.17% | 93.12% | 89.41% | 90.35% | 89.24% | 82.13% | -1,099 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |