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Southwest Health Care

Phoenix, AZ · Charter 64051

NCUA · 2 branches

Q1 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southwest Health Care

Phoenix, AZ · Charter 64051

NCUA · 2 branches

Q1 2020

$15.3MAssets
$6.4MLoans
$14.0MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.71%, down 172 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.03% of loans (-107 bps YoY).
  • Capital: net worth / assets of 7.33%, down 42 bps from a year ago.
  • Funding: loans stand at 46.04% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-1.71%-172 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-20 bps YoY

Efficiency Ratio (YTD, annualized)

134.04%+3,424 bps YoY

Net Worth / Assets

7.33%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.01%-0.03%-0.62%-0.54%-1.71%-172 bps
Return on Equity0.12%-0.35%-7.95%-6.71%-23.34%-2,346 bps
Net Interest Margin3.84%4.34%4.19%4.23%3.64%-20 bps
Efficiency Ratio99.80%97.69%99.10%100.44%134.04%+3,424 bps
Growth
Asset Growth (YoY)2.08%-10.81%-6.44%-8.22%-6.46%-853 bps
Loan Growth (YoY)-19.90%-18.66%-22.91%-25.86%-21.25%-135 bps
Share Growth (YoY)2.53%-11.87%-7.42%-8.48%-6.59%-913 bps
Asset Quality
Delinquent Loans / Loans1.10%0.42%0.55%0.40%0.03%-107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.37%1.63%1.72%1.76%+19 bps
Capital
Risk-Based Capital7.75%8.34%7.83%8.05%7.33%-42 bps
Net Worth / Assets7.75%8.34%7.83%8.05%7.33%-42 bps
Liquidity & Funding
Loans / Shares54.61%55.15%51.50%49.04%46.04%-857 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps