Dallas, TX · Charter 64972
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Dallas, TX · Charter 64972
Q4 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -3.30% | 0.58% | 0.41% | 0.09% | +4 bps | |
| Return on Equity | 0.45% | -33.29% | 4.99% | 3.47% | 0.79% | +34 bps | |
| Net Interest Margin | 2.78% | 2.40% | 2.52% | 2.48% | 2.46% | -32 bps | |
| Efficiency Ratio | 78.97% | 96.82% | 55.09% | 63.15% | 72.65% | -632 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.07% | 2.81% | -9.84% | -15.79% | -7.44% | -1,650 bps | |
| Loan Growth (YoY) | 31.34% | 1.37% | -19.45% | -29.13% | -21.91% | -5,325 bps | |
| Share Growth (YoY) | 1.92% | 3.73% | 5.30% | 0.59% | -1.40% | -331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.44% | 0.49% | 0.58% | 0.67% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 1.36% | 1.30% | 1.17% | 1.16% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.70% | 9.91% | 11.60% | 11.66% | 11.65% | +95 bps | |
| Net Worth / Assets | 10.70% | 9.91% | 11.60% | 11.66% | 11.65% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.02% | 78.23% | 75.36% | 70.85% | 68.12% | -1,789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |