Odessa, TX · Charter 61312
NCUA · 1 branch
Q3 2019
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.44% | -1.11% | -2.01% | -0.58% | -100 bps | |
| Return on Equity | 3.64% | 3.31% | -8.24% | -15.21% | -4.20% | -784 bps | |
| Net Interest Margin | 3.89% | 4.40% | 4.17% | 4.43% | 4.40% | +52 bps | |
| Efficiency Ratio | 85.11% | 85.80% | 106.16% | 94.68% | 93.50% | +839 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.10% | -13.00% | -16.11% | -18.71% | -18.75% | -1,665 bps | |
| Loan Growth (YoY) | -13.23% | -13.04% | -10.64% | -2.93% | 1.07% | +1,431 bps | |
| Share Growth (YoY) | -2.64% | -15.11% | -18.42% | -20.45% | -20.98% | -1,834 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.51% | 1.82% | 2.13% | 7.04% | 1.45% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 0.99% | 1.39% | 2.29% | 1.54% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.58% | 13.23% | 13.44% | 13.24% | 13.90% | +232 bps | |
| Net Worth / Assets | 11.58% | 13.23% | 13.44% | 13.24% | 13.90% | +232 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.31% | 79.10% | 81.76% | 90.02% | 91.21% | +1,990 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |