Longview, TX · Charter 3151
NCUA · 2 branches
Q1 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | -0.67% | -8.56% | -8.92% | -0.48% | -37 bps | |
| Return on Equity | -1.04% | -6.70% | -182.69% | -294% | -16.06% | -1,502 bps | |
| Net Interest Margin | 5.03% | 4.75% | 4.82% | 4.32% | 5.04% | +1 bps | |
| Efficiency Ratio | 89.94% | 94.81% | 102.98% | 133.50% | 109.83% | +1,988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.68% | -8.73% | -10.57% | -14.54% | -15.39% | -371 bps | |
| Loan Growth (YoY) | -10.28% | -11.79% | -10.20% | -12.93% | -17.99% | -771 bps | |
| Share Growth (YoY) | -13.92% | -6.03% | -6.34% | -7.13% | -7.02% | +690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.45% | 0.00% | 4.13% | 4.48% | 3.94% | +348 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.33% | 9.93% | 4.68% | 3.03% | 2.98% | -734 bps | |
| Net Worth / Assets | 10.33% | 9.93% | 4.68% | 3.03% | 2.98% | -734 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |