Corpus Christ, TX · Charter 5450
NCUA · 2 branches
Q1 2020
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.94% | -1.46% | -1.66% | -2.69% | -1.57% | -1.20% | -1.57% | -3.13% | -44 bps | |
| Return on Equity | -10.09% | -15.50% | -18.22% | -32.15% | -18.57% | -14.05% | -19.32% | -40.12% | -797 bps | |
| Net Interest Margin | 4.06% | 4.35% | 4.47% | 4.33% | 4.36% | 4.42% | 4.39% | 4.32% | -1 bps | |
| Efficiency Ratio | 105.52% | 100.73% | 99.31% | 101.50% | 106.02% | 103.08% | 112.28% | 148.26% | +4,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.23% | -7.06% | -10.74% | -12.35% | -9.84% | -5.66% | -5.90% | -11.69% | +66 bps | |
| Loan Growth (YoY) | -10.61% | -7.03% | -9.89% | -11.85% | -11.73% | -12.65% | -12.87% | -14.82% | -297 bps | |
| Share Growth (YoY) | 0.84% | -6.10% | -10.21% | -11.27% | -8.79% | -4.70% | -5.00% | -11.26% | +1 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.25% | 4.01% | 2.16% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 2.38% | 2.63% | 3.63% | 3.10% | 3.36% | 3.41% | 3.48% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.35% | 9.41% | 9.13% | 8.38% | 8.43% | 8.53% | 8.13% | 7.81% | -57 bps | |
| Net Worth / Assets | 9.35% | 9.41% | 9.13% | 8.38% | 8.43% | 8.53% | 8.13% | 7.81% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.45% | 54.64% | 54.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |