El Paso, TX · Charter 5929
NCUA · 1 branch
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.
El Paso, TX · Charter 5929
NCUA · 1 branch
Q2 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.25% | -0.40% | -0.83% | -1.04% | -64 bps | |
| Return on Equity | -2.71% | -1.73% | -2.69% | -5.86% | -7.45% | -474 bps | |
| Net Interest Margin | 3.73% | 3.72% | 3.84% | 3.74% | 3.85% | +12 bps | |
| Efficiency Ratio | 99.48% | 99.68% | 99.52% | 97.05% | 99.54% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.81% | 3.00% | -0.47% | -0.54% | -0.56% | -637 bps | |
| Loan Growth (YoY) | -10.35% | -9.77% | -9.28% | -5.44% | -4.02% | +633 bps | |
| Share Growth (YoY) | 8.23% | 4.09% | -0.36% | -0.43% | 0.05% | -819 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.79% | 2.12% | 1.14% | 1.63% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.39% | 2.08% | 2.06% | 1.97% | 2.12% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.59% | 14.42% | 14.67% | 14.23% | 13.96% | -63 bps | |
| Net Worth / Assets | 14.59% | 14.42% | 14.67% | 14.23% | 13.96% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.72% | 49.02% | 49.64% | 49.32% | 48.66% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |