Lubbock, TX · Charter 3987
NCUA · 7 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.34% | 0.52% | 0.54% | 0.54% | 0.71% | 0.68% | 0.63% | +9 bps | |
| Return on Equity | 3.51% | 2.43% | 3.58% | 3.70% | 3.79% | 4.92% | 4.72% | 4.55% | +84 bps | |
| Net Interest Margin | 2.75% | 2.96% | 3.00% | 2.99% | 2.89% | 2.92% | 2.90% | 2.81% | -18 bps | |
| Efficiency Ratio | 84.22% | 83.82% | 82.86% | 83.34% | 83.57% | 81.37% | 82.41% | 83.55% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 1.09% | 0.32% | -0.63% | 3.66% | 1.66% | 4.31% | 9.23% | +986 bps | |
| Loan Growth (YoY) | 4.45% | 7.15% | 5.26% | 2.53% | 3.30% | 2.12% | 9.79% | 13.03% | +1,051 bps | |
| Share Growth (YoY) | 3.03% | 0.38% | -0.03% | -0.71% | 1.45% | 0.62% | 0.75% | 1.95% | +266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.62% | 0.31% | 0.30% | 0.16% | 0.57% | 0.46% | 0.37% | +7 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 | 0.55% | 0.56% | 0.52% | 0.52% | 0.48% | 0.48% | 0.47% | 0.43% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.16% | 14.18% | 14.45% | 14.60% | 14.15% | 14.53% | 14.42% | 13.93% | -67 bps | |
| Net Worth / Assets | 14.16% | 14.18% | 14.45% | 14.60% | 14.15% | 14.53% | 14.42% | 13.93% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.32% | 66.54% | 66.11% | 66.80% | 65.50% | 67.54% | 72.04% | 74.06% | +726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |