Orange, TX · Charter 67498
NCUA · 1 branch
Q1 2020
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Orange, TX · Charter 67498
NCUA · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -42.42% | -40.55% | -38.36% | -16.97% | -18.05% | -17.43% | -16.60% | -16.04% | +94 bps | |
| Return on Equity | -149.41% | -108.87% | -112.39% | -40.56% | -41.73% | -38.90% | -37.82% | -33.83% | +673 bps | |
| Net Interest Margin | 0.67% | 0.85% | 0.81% | 0.52% | 0.53% | 0.56% | 0.57% | 0.60% | +8 bps | |
| Efficiency Ratio | 6535% | 3615% | 3764% | 3378% | 2769% | 2725% | 2643% | 2760% | -61,772 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -51.87% | -63.24% | -55.04% | -57.72% | -55.33% | -44.96% | -43.57% | -34.95% | +2,277 bps | |
| Loan Growth (YoY) | -92.46% | -91.26% | -82.36% | -78.84% | -100.00% | -100.00% | -100.00% | -100.00% | -2,116 bps | |
| Share Growth (YoY) | -63.33% | -78.77% | -65.81% | -64.43% | -56.78% | -31.02% | -40.32% | -39.56% | +2,486 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | |
| 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 | 5.37% | 4.32% | 4.32% | 4.30% | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 28.39% | 37.25% | 34.14% | 41.85% | 43.26% | 44.81% | 43.90% | 47.41% | +556 bps | |
| Net Worth / Assets | 28.39% | 37.25% | 34.14% | 41.85% | 43.26% | 44.81% | 43.90% | 47.41% | +556 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.90% | 4.80% | 2.37% | 2.39% | 0.00% | 0.00% | 0.00% | 0.00% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |