Mora, NM · Charter 62289
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Mora, NM · Charter 62289
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.38% | -0.30% | 1.24% | 0.42% | 0.50% | 0.17% | -1.12% | -236 bps | |
| Return on Equity | -3.53% | -4.80% | -3.99% | 14.54% | 4.97% | 5.71% | 2.00% | -13.59% | -2,813 bps | |
| Net Interest Margin | 4.75% | 4.98% | 4.80% | 5.18% | 5.11% | 5.26% | 5.30% | 4.82% | -36 bps | |
| Efficiency Ratio | 99.41% | 100.80% | 99.61% | 75.59% | 87.24% | 86.44% | 91.19% | 108.67% | +3,307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | -4.56% | -1.77% | -11.92% | -9.78% | -7.41% | -12.60% | -2.23% | +968 bps | |
| Loan Growth (YoY) | -13.13% | -13.26% | -11.14% | -13.44% | -10.04% | -4.41% | -9.58% | -6.17% | +727 bps | |
| Share Growth (YoY) | 0.10% | -4.68% | -1.60% | -12.88% | -10.65% | -8.42% | -13.79% | -2.03% | +1,084 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.45% | 5.43% | 3.13% | 3.30% | 10.75% | 7.34% | 1.43% | 3.18% | -12 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 | 3.44% | 3.59% | 3.87% | 4.31% | 4.28% | 4.01% | 3.49% | 4.63% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.66% | 7.83% | 7.49% | 8.51% | 8.47% | 8.75% | 8.69% | 8.23% | -28 bps | |
| Net Worth / Assets | 7.66% | 7.83% | 7.49% | 8.51% | 8.47% | 8.75% | 8.69% | 8.23% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.81% | 74.88% | 69.58% | 72.25% | 76.32% | 78.16% | 72.97% | 69.20% | -305 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |