Raton, NM · Charter 62569
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.34% | -0.60% | -0.96% | -1.10% | -0.98% | -1.15% | -0.29% | +67 bps | |
| Return on Equity | -2.35% | -2.05% | -3.43% | -5.70% | -6.62% | -5.70% | -6.95% | -1.64% | +406 bps | |
| Net Interest Margin | 5.28% | 4.83% | 4.62% | 4.17% | 4.00% | 4.25% | 4.79% | 4.87% | +70 bps | |
| Efficiency Ratio | 102.70% | 103.09% | 112.45% | 121.66% | 125.31% | 121.12% | 122.60% | 105.40% | -1,626 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.16% | -2.98% | -7.80% | 1.37% | -0.85% | -8.56% | -0.59% | -6.90% | -828 bps | |
| Loan Growth (YoY) | -19.17% | -19.74% | -39.40% | -39.63% | -28.48% | -4.83% | 19.97% | 50.13% | +8,976 bps | |
| Share Growth (YoY) | -11.99% | -1.14% | -9.17% | 2.43% | -0.10% | -9.12% | 0.60% | -7.59% | -1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.39% | 0.37% | 0.51% | 0.27% | 0.96% | 0.90% | +53 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 | 9.17% | 10.16% | 13.87% | 15.13% | 12.82% | 10.67% | 11.56% | 10.08% | -505 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.31% | 16.64% | 17.52% | 16.79% | 16.59% | 17.22% | 16.53% | 17.40% | +61 bps | |
| Net Worth / Assets | 17.31% | 16.64% | 17.52% | 16.79% | 16.59% | 17.22% | 16.53% | 17.40% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 117.39% | 101.33% | 79.52% | 70.59% | 84.04% | 106.11% | 94.83% | 114.67% | +4,409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |