El Paso, TX · Charter 5929
NCUA · 1 branch
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 | -1.74% | -1.56% | -0.89% | -0.40% | -0.25% | -0.40% | -0.83% | -1.04% | -64 bps | |
| Return on Equity | -11.37% | -10.40% | -6.13% | -2.71% | -1.73% | -2.69% | -5.86% | -7.45% | -474 bps | |
| Net Interest Margin | 3.88% | 3.82% | 3.66% | 3.73% | 3.72% | 3.84% | 3.74% | 3.85% | +12 bps | |
| Efficiency Ratio | 94.31% | 94.23% | 102.00% | 99.48% | 99.68% | 99.52% | 97.05% | 99.54% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.67% | 0.47% | 6.38% | 5.81% | 3.00% | -0.47% | -0.54% | -0.56% | -637 bps | |
| Loan Growth (YoY) | -9.58% | -10.94% | -9.73% | -10.35% | -9.77% | -9.28% | -5.44% | -4.02% | +633 bps | |
| Share Growth (YoY) | 7.43% | 2.87% | 9.24% | 8.23% | 4.09% | -0.36% | -0.43% | 0.05% | -819 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 1.85% | 1.75% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 2.66% | 2.65% | 2.39% | 2.08% | 2.06% | 1.97% | 2.12% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.30% | 15.00% | 14.53% | 14.59% | 14.42% | 14.67% | 14.23% | 13.96% | -63 bps | |
| Net Worth / Assets | 15.30% | 15.00% | 14.53% | 14.59% | 14.42% | 14.67% | 14.23% | 13.96% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.56% | 54.53% | 51.94% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |