Lubbock, TX · Charter 3554
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 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.
Lubbock, TX · Charter 3554
NCUA · 1 branch
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | 0.12% | 0.25% | 0.31% | 0.04% | 0.25% | -2.20% | -245 bps | |
| Return on Equity | -0.02% | -0.01% | 0.63% | 1.35% | 1.66% | 0.20% | 1.38% | -13.47% | -1,482 bps | |
| Net Interest Margin | 2.55% | 2.33% | 2.63% | 2.51% | 2.48% | 2.26% | 2.41% | 2.15% | -35 bps | |
| Efficiency Ratio | 71.67% | 78.86% | 76.67% | 76.81% | 76.06% | 82.10% | 79.21% | 194.88% | +11,806 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 4.57% | 0.96% | 1.41% | 1.32% | 2.70% | 4.66% | 5.23% | +382 bps | |
| Loan Growth (YoY) | 4.96% | -1.27% | -1.39% | -3.26% | -3.34% | -3.06% | -4.48% | -1.97% | +128 bps | |
| Share Growth (YoY) | 4.58% | 5.60% | 1.07% | 1.18% | 1.40% | 3.51% | 5.79% | 6.59% | +541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.44% | 5.27% | 4.21% | 3.06% | 3.80% | 6.21% | 4.24% | 3.72% | +66 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 | 2.20% | 1.15% | 1.54% | 1.13% | 1.37% | 1.86% | 1.79% | 1.59% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.37% | 18.34% | 18.54% | 18.41% | 18.36% | 17.89% | 17.79% | 16.32% | -210 bps | |
| Net Worth / Assets | 18.37% | 18.34% | 18.54% | 18.41% | 18.36% | 17.89% | 17.79% | 16.32% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.03% | 36.29% | 36.20% | 35.04% | 35.30% | 33.98% | 32.68% | 32.23% | -281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |