Dallas, TX · Charter 5905
NCUA · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Dallas, TX · Charter 5905
NCUA · 2 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.03% | 0.04% | -0.20% | -0.09% | 0.08% | -1.64% | -0.84% | -64 bps | |
| Return on Equity | 6.34% | 0.40% | 0.47% | -2.67% | -1.22% | 1.07% | -22.73% | -11.73% | -906 bps | |
| Net Interest Margin | 3.87% | 3.92% | 3.95% | 3.89% | 3.94% | 3.94% | 3.78% | 3.85% | -4 bps | |
| Efficiency Ratio | 81.40% | 85.39% | 87.04% | 89.44% | 87.83% | 87.52% | 92.80% | 88.13% | -132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.82% | 3.35% | 2.17% | 2.77% | 0.32% | 0.87% | 1.51% | 1.24% | -153 bps | |
| Loan Growth (YoY) | 7.96% | 10.67% | 12.84% | 3.60% | 3.55% | 0.45% | -0.61% | 6.06% | +246 bps | |
| Share Growth (YoY) | 6.41% | 3.13% | 2.39% | 3.80% | 0.14% | 0.95% | 1.90% | 1.06% | -274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.00% | 0.90% | 1.68% | 1.54% | 1.50% | 0.67% | 0.66% | -102 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 | 0.99% | 0.92% | 0.86% | 1.06% | 1.01% | 0.88% | 0.86% | 0.83% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.03% | 7.71% | 7.67% | 7.47% | 7.58% | 7.73% | 7.21% | 7.14% | -33 bps | |
| Net Worth / Assets | 8.03% | 7.71% | 7.67% | 7.47% | 7.58% | 7.73% | 7.21% | 7.14% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.85% | 80.98% | 82.38% | 78.54% | 80.50% | 80.58% | 80.36% | 82.42% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |