Odessa, TX · Charter 61312
NCUA · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.13% | 0.33% | 0.42% | 0.44% | -1.11% | -2.01% | -0.58% | -100 bps | |
| Return on Equity | -1.10% | 1.19% | 2.94% | 3.64% | 3.31% | -8.24% | -15.21% | -4.20% | -784 bps | |
| Net Interest Margin | 3.84% | 3.81% | 3.86% | 3.89% | 4.40% | 4.17% | 4.43% | 4.40% | +52 bps | |
| Efficiency Ratio | 84.75% | 87.98% | 87.47% | 85.11% | 85.80% | 106.16% | 94.68% | 93.50% | +839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | -1.90% | -1.33% | -2.10% | -13.00% | -16.11% | -18.71% | -18.75% | -1,665 bps | |
| Loan Growth (YoY) | 10.48% | -4.42% | -9.06% | -13.23% | -13.04% | -10.64% | -2.93% | 1.07% | +1,431 bps | |
| Share Growth (YoY) | 0.47% | 0.01% | -1.65% | -2.64% | -15.11% | -18.42% | -20.45% | -20.98% | -1,834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.50% | 1.92% | 1.59% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.30% | 0.94% | 0.99% | 0.99% | 1.39% | 2.29% | 1.54% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 11.16% | 11.36% | 11.58% | 13.23% | 13.44% | 13.24% | 13.90% | +232 bps | |
| Net Worth / Assets | 11.13% | 11.16% | 11.36% | 11.58% | 13.23% | 13.44% | 13.24% | 13.90% | +232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.21% | 74.64% | 73.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |