Tyler, TX · Charter 67472
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Tyler, TX · Charter 67472
NCUA · 1 branch
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.11% | -0.06% | -0.08% | -0.11% | -0.58% | -0.73% | -26.56% | -2,648 bps | |
| Return on Equity | 0.48% | 0.39% | -0.22% | -0.28% | -0.38% | -2.10% | -2.65% | -185.22% | -18,495 bps | |
| Net Interest Margin | 3.17% | 3.16% | 3.05% | 3.15% | 3.15% | 3.15% | 3.17% | -16.79% | -1,994 bps | |
| Efficiency Ratio | 95.80% | 96.65% | 102.03% | 102.50% | 103.35% | 114.93% | 122.91% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | -1.00% | -0.67% | -0.66% | -1.95% | -2.46% | -0.90% | 1.22% | +188 bps | |
| Loan Growth (YoY) | -5.09% | -3.50% | -1.36% | -10.29% | -3.89% | -0.52% | 0.42% | 11.19% | +2,148 bps | |
| Share Growth (YoY) | -2.12% | -1.66% | -0.95% | -0.68% | -2.54% | -2.52% | -0.16% | 21.45% | +2,213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.22% | 0.58% | 0.40% | 0.21% | 1.07% | 0.78% | 0.03% | -38 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 | 0.45% | 0.46% | 0.45% | 0.39% | 0.38% | 0.44% | 0.43% | 0.38% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.59% | 27.40% | 27.89% | 28.50% | 28.07% | 27.51% | 27.40% | 14.34% | -1,416 bps | |
| Net Worth / Assets | 27.59% | 27.40% | 27.89% | 28.50% | 28.07% | 27.51% | 27.40% | 14.34% | -1,416 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.18% | 108.32% | 108.05% | 112.97% | 111.62% | 110.53% | 108.68% | 103.43% | -955 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |