Fort Worth, TX · Charter 3494
NCUA · 1 branch
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -1.44% | -2.52% | -2.06% | -2.06% | -215 bps | |
| Return on Equity | 1.41% | -23.75% | -47.48% | -41.10% | -44.25% | -4,565 bps | |
| Net Interest Margin | 5.21% | 4.52% | 4.62% | 4.60% | 4.66% | -55 bps | |
| Efficiency Ratio | 97.21% | 114.02% | 112.10% | 113.46% | 116.08% | +1,887 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.95% | 3.53% | 3.88% | 2.55% | 2.70% | +665 bps | |
| Loan Growth (YoY) | 0.90% | -0.64% | -8.46% | -9.83% | -12.40% | -1,331 bps | |
| Share Growth (YoY) | -1.97% | 3.41% | 6.16% | 4.95% | 4.82% | +679 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.92% | 1.60% | 1.39% | 1.53% | 2.12% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.26% | 0.69% | 0.73% | 0.70% | +48 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.88% | 6.07% | 5.31% | 5.00% | 4.64% | -224 bps | |
| Net Worth / Assets | 6.88% | 6.07% | 5.31% | 5.00% | 4.64% | -224 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.77% | 57.48% | 54.72% | 52.57% | 53.29% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |