Corpus Christ, TX · Charter 5450
NCUA · 2 branches
Q1 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.69% | -1.57% | -1.20% | -1.57% | -3.13% | -44 bps | |
| Return on Equity | -32.15% | -18.57% | -14.05% | -19.32% | -40.12% | -797 bps | |
| Net Interest Margin | 4.33% | 4.36% | 4.42% | 4.39% | 4.32% | -1 bps | |
| Efficiency Ratio | 101.50% | 106.02% | 103.08% | 112.28% | 148.26% | +4,676 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.35% | -9.84% | -5.66% | -5.90% | -11.69% | +66 bps | |
| Loan Growth (YoY) | -11.85% | -11.73% | -12.65% | -12.87% | -14.82% | -297 bps | |
| Share Growth (YoY) | -11.27% | -8.79% | -4.70% | -5.00% | -11.26% | +1 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 3.08% | 3.07% | 3.56% | 2.20% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.63% | 3.10% | 3.36% | 3.41% | 3.48% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.43% | 8.53% | 8.13% | 7.81% | -57 bps | |
| Net Worth / Assets | 8.38% | 8.43% | 8.53% | 8.13% | 7.81% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.55% | 48.83% | 50.09% | 49.56% | 48.52% | -203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |